328 Poplar St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 328 Poplar St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,340 sqft · built 1920
Lot Size	0.057 acres (2,500 sqft)
Owner	Individual Name on Record
Last Sale	$199,000 (Jul 2023)
Tax Bill	$2,598 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-11-020.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-11-020.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,340 sqft Finished Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	328 POPLAR ST
City	LUDLOW
State	KY
Zip	41016-1442
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GARDEN LOT 13 25'X 100'
Legal Subdivision	GARDEN
Legal Lot Number	13
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2006
Census Tract	66900

Owner

Source: Kenton County records, as of October 20, 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 Record
Mailing Address	328 POPLAR ST, LUDLOW, KY 41016-1442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BK
Apr 23, 2020	Quit Claim Deed, Transfer GUARDIAN SVGS BK
Nov 21, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2023 · Amount on Record
Deed Sale	Jul 11, 2023 · Amount on Record
Prior Sale	Nov 21, 2018 · Amount on Record
Deed Document Number	202377
Deed Book / Page	234 / 895
Prior Transfer Date	Apr 15, 2020
Prior Transfer Doc	0005900140
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jul 11, 2023
Property Address	328 POPLAR ST, LUDLOW, KY 41016-1442
Document Number	0005900077
Book / Page	KC 234 / 895
Map Reference	MB 66 PG 641
Instrument Date	Jun 5, 2023
Instrument	23071105900077
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10308 FREDRICKSBURG RD, INDEPENDENCE, KY 41051-8247

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 POPLAR ST, LUDLOW, KY 41016-1442

Mortgage

Document Number	0005900078
Date	Jul 11, 2023
Book Page	KCM 474/958
Instrument	23071105900078

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	328 POPLAR ST, LUDLOW, KY 41016-1442
Document Number	0000000222
Instrument Date	Jan 5, 2021
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 POPLAR ST LUDLOW KY 410161442, LUDLOW, KY 41016-1442

Mortgage

Document Number	0000000222
Date	Jan 22, 2021
Book Page	00M157/000161
Instrument	222

Lender

Name	HERITAGE BK
Type	Bank
Address	COVINGTON, KY 41017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 21, 2031

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Apr 23, 2020
Property Address	328 POPLAR ST, LUDLOW, KY 41016-1442
Document Number	0000000140
Book / Page	000018 / 000080
Instrument Date	Apr 15, 2020
Instrument	140
Transaction Type	Transfer
Record Updated	Jul 8, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 POPLAR ST LUDLOW KY 410161442, LUDLOW, KY 41016-1442

Mortgage

Document Number	141
Date	Apr 23, 2020
Book Page	000M36/000132
Instrument	141

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 21, 2018
Property Address	328 POPLAR ST, LUDLOW, KY 41016-1442
Document Number	0000000093
Book / Page	0C6550 / 000001
Instrument Date	Nov 16, 2018
Instrument	93
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 POPLAR ST LUDLOW KY 410161442, LUDLOW, KY 41016-1442

Mortgage

Document Number	94
Date	Nov 21, 2018
Book Page	0C6550/000004
Instrument	94

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 20, 2033

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$199,000 (-) Land $15,000 Building $184,000	$199,000 (-) Land $15,000 Building $184,000
2025	$2,598.00 (+92.3%)	$199,000 (+89.52%) Land $10,000 Building $189,000	$199,000 (+89.52%) Land $10,000 Building $189,000
2023	$1,351.00 (+0.9%)	$105,000 (-) Land $10,000 Building $95,000	$105,000 (-) Land $10,000 Building $95,000
2022	$1,339.00	$105,000 Land $10,000 Building $95,000	$105,000 Land $10,000 Building $95,000

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

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 516 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

May also be available: T-Mobile.

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