320 Deverill St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 320 Deverill St, Ludlow, KY 41016 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,522 sqft · built 1920
Lot Size	0.084 acres (3,675 sqft)
Owner	Individual Name on File
Last Sale	$89,900 (Jan 2011)
Tax Bill	$2,154 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-41-13-007.00`

Property Details

APN / Parcel Number

Primary APN	`026-41-13-007.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,522 sqft Finished Area
Gross Area	1,857 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	3,675 sqft (0.084 acres)
Lot Dimensions	105 ft deep x 35 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	320 DEVERILL ST
City	LUDLOW
State	KY
Zip	41016-1329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW REALTY CO LOT 215 & PT LOT 216 35'X 105'
Legal Subdivision	LUDLOW REALTY CO
Legal Lot Number	215,216
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2017
Census Tract	66900

Owner

Source: Kenton County records · APN 026-41-13-007.00

Assessment roll updated December 2, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	320 DEVERILL ST, LUDLOW, KY 41016-1329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 11, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 27, 2011 · Amount on Record
Deed Sale	Jan 27, 2011 · Amount on Record
Prior Sale	Jul 29, 2010 · Amount on Record
Deed Document Number	201101 27 059 00151
Deed Book / Page	4505 / 165
Prior Transfer Date	Aug 24, 2005
Prior Transfer Doc	0830059000
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	320 DEVERILL ST, LUDLOW, KY 41016-1329
Document Number	0000000198
Instrument Date	Aug 11, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 DEVERILL ST LUDLOW KY 410161329, LUDLOW, KY 41016-1329

Mortgage

Document Number	0000000198
Date	Sep 29, 2020
Book Page	00M104/000458
Instrument	198

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 28, 2040

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	320 DEVERILL ST, LUDLOW, KY 41016-1329
Document Number	00M1030218
Instrument Date	Aug 11, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 DEVERILL ST LUDLOW KY 410161329, LUDLOW, KY 41016-1329

Mortgage

Document Number	00M1030218
Date	Sep 28, 2020
Book Page	00M103/000218

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 27, 2040

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,154.00 (+1.46%)	$165,000 (-) Land $10,000 Building $155,000	$165,000 (-) Land $10,000 Building $155,000
2023	$2,123.00	$165,000 Land $10,000 Building $155,000	$165,000 Land $10,000 Building $155,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170669002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1997)
Most Recent Claim	Mar 1997, river or lake flooding, Severe Storm, Flooding, And Tornadoes

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 719 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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