Kenton County property record for 323 Howard St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,447 sqft · built 1920 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $105,500 (May 2013) |
| Tax Bill | $1,828 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-05-004.00 |
| Primary APN | 026-34-05-004.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,447 sqft Finished Area |
| Gross Area | 1,630 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 323 HOWARD ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1333 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART PT LOTS 448-449 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 448,44 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 66900 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 323 HOWARD ST, LUDLOW, KY 41016-1333 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2026 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Dec 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MTG SVC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2013 · Amount on Record |
| Deed Sale | May 13, 2013 · Amount on Record |
| Deed Document Number | 201305 13 059 00204 |
| Deed Book / Page | 5162 / 17 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 323 HOWARD ST, LUDLOW, KY 41016-1333 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 323 HOWARD ST, LUDLOW, KY 41016-1333 |
| Document Number | 0000002708 |
|---|---|
| Date | Feb 10, 2026 |
| Book Page | 733/97 |
| Instrument | 26059000002708 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN MATEO, CA 94402 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 323 HOWARD ST, LUDLOW, KY 41016-1333 |
| Document Number | 0000000109 |
| Instrument Date | Dec 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2021 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 323 HOWARD ST LUDLOW KY 410161333, LUDLOW, KY 41016-1333 |
| Document Number | 0000000109 |
|---|---|
| Date | Jan 6, 2021 |
| Book Page | 00M150/000505 |
| Instrument | 109 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 5, 2051 |
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 | $157,200 (+12.29%) Land $15,000 Building $142,200 | $157,200 (+12.29%) Land $15,000 Building $142,200 | |
| 2025 | $1,828.00 (+1.5%) | $140,000 (-) Land $10,000 Building $130,000 | $140,000 (-) Land $10,000 Building $130,000 |
| 2023 | $1,801.00 | $140,000 Land $10,000 Building $130,000 | $140,000 Land $10,000 Building $130,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
| Adjoins Burnable Land | Yes |
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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