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321 Skyview Ct, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 321 Skyview Ct, Ludlow, KY 41016

Property Summary

Property TypeCondominium
Details2 bd · 2 ba · 1,039 sqft · built 2004
Lot Size0.023 acres (1,039 sqft)
OwnerIndividual Name on File
Last Sale$125,400 (Jun 2019)
Tax Bill$1,637 (2025)
Deeds & MortgagesOct 2020 Mortgage
Jun 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN840-20-01-013.45

Property Details

APN / Parcel Number

Primary APN840-20-01-013.45

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,039 sqft Finished Area

Exterior

Year BuiltBuilt 2004
Exterior MaterialBrick
Foundation TypeConcrete
Lot Area1,039 sqft (0.023 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Old Parcel Number8402001013.45
Street Address321 SKYVIEW CT
CityLUDLOW
StateKY
Zip41016-1706
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionRIVERS BREEZE SEC 5 UNIT 13-305 1039 SF WADSWORTH UPPER SUMMIT
Legal SubdivisionRIVERS BREEZE
Legal Phase5
Legal Lot Number13-305 14
Legal Unit13-305
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group3
Census Block3004
Census Tract63800

Owner

Source: Kenton County records · APN 840-20-01-013.45

Assessment roll updated April 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 01, 2020Deed of Trust, Mortgage · Conventional Mortgage
GUARDIAN SVGS BK
Jun 09, 2019Warranty Deed, Transfer · Conventional Mortgage
GUARDIAN SVGS BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 09, 2019 · Amount on Record
Deed SaleJun 09, 2019 · Amount on Record
Prior SaleApr 20, 2015 · Amount on Record
Deed Document Number0000667725
Deed Book / Page6677 / 25
Record UpdatedJun 08, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address321 SKYVIEW CT, LUDLOW, KY 41016-1706
Document Number0000000052
Instrument DateOct 01, 2020
Transaction TypeMortgage
Record UpdatedOct 27, 2020
Title CompanyPROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address321 SKYVIEW CT LUDLOW KY 410161706, LUDLOW, KY 41016-1706

Mortgage

Document Number0000000052
DateOct 07, 2020
Book Page00M108/000222
Instrument52
Lender
NameGUARDIAN SVGS BK
TypeFederal Savings Bank
AddressCINCINNATI, OH 45239
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueOct 06, 2040

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJun 09, 2019
Property Address321 SKYVIEW CT, LUDLOW, KY 41016-1706
Document Number0000000008
Book / Page0C6677 / 000025
Instrument DateJun 03, 2019
Instrument8
Transaction TypeTransfer
Record UpdatedJun 27, 2019
Title CompanyPROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$125.40
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1903 GROVEPOINTE DR FLORENCE KY 410424310, FLORENCE, KY 41042-4310

Mortgage

Document Number9
DateJun 09, 2019
Book Page0C6677/000028
Instrument9
Lender
NameGUARDIAN SVGS BK
TypeFederal Savings Bank
AddressCINCINNATI, OH 45239
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 08, 2049

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityLudlow City
Unified School DistrictLudlow 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,637.00 (+1.49%)$125,400 (-) Building $125,400$125,400 (-) Building $125,400
2023$1,613.00$125,400 Building $125,400$125,400 Building $125,400

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 211170638003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimApr 2024 · other causes

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 · sampled at 95 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cincinnati Bell
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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