32 Euclid St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 32 Euclid St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,984 sqft · built 1900
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on File
Last Sale	$146,000 (May 2019)
Tax Bill	$1,906 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026-33-12-012.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-12-012.00`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,984 sqft Finished Area
Gross Area	2,024 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	32 EUCLID ST
City	LUDLOW
State	KY
Zip	41016-1553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEBSTER PT LOT 1 25'X 100' WS EUCLID 75' S FOREST
Legal Subdivision	WEBSTER E R
Legal Lot Number	1
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1006
Census Tract	66900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Central Ludlow Historic District listed 1984 · 343 contributing resources · NRIS 84000526

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

32 Euclid St is owned and occupied by an individual who bought it in May 2019.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	32 EUCLID ST, LUDLOW, KY 41016-1553
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
May 26, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Apr 7, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 15, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2019 · Amount on File
Deed Sale	May 15, 2019 · Amount on File
Prior Sale	May 18, 2004 · Amount on File
Deed Document Number	201905 15 059 00153
Deed Book / Page	6660 / 218
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Sep 4, 2026
Property Address	32 EUCLID ST, LUDLOW, KY 41016-1553
Document Number	0000020396
Book / Page	493 / 922
Instrument Date	Mar 9, 2026
Instrument	202620396
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 EUCLID ST, LUDLOW, KY 41016-1553

Mortgage

Document Number	0000020396,
Date	Sep 4, 2026
Book Page	493/922
Instrument	202620396

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	474 Months
Due	Mar 1, 2066

Interest

Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	32 EUCLID ST, LUDLOW, KY 41016-1553
Transaction Type	Mortgage
Record Updated	Jun 8, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 EUCLID ST, LUDLOW, KY 41016-1553

Mortgage

Document Number	0005900012
Date	May 26, 2023
Book Page	KCM 464/205
Instrument	23052605900012

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Jun 1, 2063

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	32 EUCLID ST, LUDLOW, KY 41016-1553
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 EUCLID ST, LUDLOW, KY 41016-1553

Mortgage

Document Number	0005900186
Date	Apr 7, 2021
Book Page	197/430
Instrument	21040705900186

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Jun 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 15, 2019
Property Address	32 EUCLID ST, LUDLOW, KY 41016-1553
Document Number	0000000153
Book / Page	0C6660 / 000218
Instrument Date	May 8, 2019
Instrument	153
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	32 EUCLID ST LUDLOW KY 410161553, LUDLOW, KY 41016-1553

Mortgage

Document Number	154
Date	May 15, 2019
Book Page	0C6660/000222
Instrument	154

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 32 Euclid St was $1,906.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Ludlow City
Unified School District	Ludlow Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$155,200 (+6.3%) Land $15,000 Building $140,200	$155,200 (+6.3%) Land $15,000 Building $140,200
2025	$1,906.00	$146,000 Land $10,000 Building $136,000	$146,000 Land $10,000 Building $136,000
2023	$1,879.00	$146,000 Land $10,000 Building $136,000	$146,000 Land $10,000 Building $136,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 32 Euclid St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	7 (1978–2014)
Most Recent Claim	Jun 2014 · river or lake flooding
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 32 Euclid St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 516 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Euclid St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures