Kenton County property record for 323 Oak St, Ludlow, KY 41016 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1910 |
| Square Footage | 1,944 sqft Finished Area |
| Lot Size | 10,937 sqft (0.251 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $125,000 (2013) |
| Tax Bill | $2,024.00 (2025) |
| Primary APN | 026-34-10-003.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,944 sqft Finished Area |
| Gross Area | 2,252 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1910 |
|---|---|
| Exterior Material | Aluminum/Vinyl Exterior |
| Foundation Type | Block Foundation |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,937 sqft (0.251 acres) |
| Depth X Width | 87.5 ft x 125 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Pool Type | In-Ground Pool Pool Type |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Old Parcel Number | 0263410003.00 |
|---|---|
| Street Address | 323 OAK ST |
| City | LUDLOW |
| State | KY |
| Zip | 41016-1416 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | KENNER GEO R PT LOTS 54-55 125'X 87.5' SS OAK 87.5' E OF KENNER |
| Legal Subdivision | KENNER GEO R |
| Legal Lot Number | 54,55 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | COVINGTON |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 66900 |
Source: Kenton County records · APN 026-34-10-003.00
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 323 OAK ST, LUDLOW, KY 41016-1416 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 15, 2020 | Deed of Trust, Mortgage UNION SVGS |
| Jun 25, 2020 | Quit Claim Deed, Transfer UNION SVGS |
| Aug 04, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 25, 2013 · Amount on Record |
| Deed Sale | Nov 25, 2013 · Amount on Record |
| Prior Sale | Nov 25, 2013 · Amount on Record |
| Deed Doc Number | 0000000288 |
| Deed Book / Page | 0C5313 / 000301 |
| Last Transfer Date | Jun 25, 2020 |
| Transfer Doc | 0000000193 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 323 OAK ST, LUDLOW, KY 41016-1416 |
| Document Number | 0000000194 |
| Instrument Date | Jun 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 06, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 323 OAK ST LUDLOW KY 410161416, LUDLOW, KY 41016-1416 |
| Document Number | 0000000194 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 000M62/000863 |
| Instrument | 194 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank (FSB) |
| Address | CINCINNATI, OH 45249 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 24, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 25, 2020 |
| Property Address | 323 OAK ST, LUDLOW, KY 41016-1416 |
| Document Number | 0000000193 |
| Book / Page | 000028 / 000462 |
| Instrument Date | Jun 15, 2020 |
| Instrument | 193 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $65.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 323 OAK ST LUDLOW KY 410161416, LUDLOW, KY 41016-1416 |
| Document Number | 194 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 000M62/000863 |
| Instrument | 194 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank (FSB) |
| Address | CINCINNATI, OH 45249 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 24, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 323 OAK ST, LUDLOW, KY 41016-1416 |
| Document Number | 0000000189 |
| Instrument Date | Aug 04, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 06, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 323 OAK ST LUDLOW KY 410161416, LUDLOW, KY 41016-1416 |
| Document Number | 0000000189 |
|---|---|
| Date | Aug 21, 2018 |
| Book Page | 0C6481/000222 |
| Instrument | 189 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 20, 2048 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
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 | $2,024.00 (+1.5%) | $155,000 (-) Land $10,000 Building $145,000 | $155,000 (-) Land $10,000 Building $145,000 |
| 2023 | $1,994.00 | $155,000 Land $10,000 Building $145,000 | $155,000 Land $10,000 Building $145,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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