Kenton County property record for 322 Howard St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,096 sqft · built 1920 |
| Lot Size | 0.08 acres (3,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $83,500 (Jul 2015) |
| Tax Bill | $2,089 (2025) |
| Deeds & Mortgages | Oct 2022 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-04-008.00 |
| Primary APN | 026-34-04-008.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,096 sqft Finished Area |
| Gross Area | 1,502 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,500 sqft (0.08 acres) |
| Lot Dimensions | 100 ft deep x 35 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 322 HOWARD ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 426 & E 5' LOT 427 & W 5' LOT 425 35'X 100' SS HOWARD |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Phase | 7 |
| Legal Lot Number | 426,425 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 66900 |
322 Howard St is owned and occupied by an individual who bought it in July 2015.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 322 HOWARD ST, LUDLOW, KY 41016-1334 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2015 · Amount on File |
| Deed Sale | Jul 17, 2015 · Amount on File |
| Prior Sale | Jul 26, 2012 · Amount on File |
| Deed Document Number | 201507 17 059 00073 |
| Deed Book / Page | 5693 / 302 |
| Prior Transfer Date | Jul 6, 2015 |
| Prior Transfer Doc | 0000000072 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 322 HOWARD ST, LUDLOW, KY 41016-1334 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900172 |
|---|---|
| Date | Oct 3, 2022 |
| Book Page | 411/606 |
| Instrument | 22100305900172 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2042 |
The 2025 property tax bill for 322 Howard St was $2,089.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $160,000 (-) Land $15,000 Building $145,000 | $160,000 (-) Land $15,000 Building $145,000 | |
| 2025 | $2,089.00 | $160,000 Land $10,000 Building $150,000 | $160,000 Land $10,000 Building $150,000 |
| 2023 | $2,059.00 | $160,000 Land $10,000 Building $150,000 | $160,000 Land $10,000 Building $150,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 322 Howard St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (1997) |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, And Tornadoes |
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 risk around 322 Howard St is low, with 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 719 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 |
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