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331 Montclair Ave, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 331 Montclair Ave, Ludlow, KY 41016 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 888 sqft · built 1959
Lot Size0.11 acres (4,792 sqft)
Owner2 Individual Names on File
Last Sale$75,000 (Jun 2018)
Tax Bill$1,632 (2025)
Deeds & MortgagesJun 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN040-12-03-016.00

Property Details

APN / Parcel Number

Primary APN040-12-03-016.00

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area888 sqft Finished Area
Gross Area2,021 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1959
Exterior MaterialBrick
Foundation TypeStone
Roof MaterialComposition Shingle
Lot Area4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas
SewerConnected

Location & Zoning

Old Parcel Number0401203016.00
Street Address331 MONTCLAIR AVE
CityLUDLOW
StateKY
Zip41016-1671
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFLEMMINGS LOT 141 & PT 140
Legal SubdivisionFLEMMINGS
Legal Lot Number141,140
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group3
Census Block3011
Census Tract63800

Owner

Source: Kenton County records · APN 040-12-03-016.00

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 Record2 Individual Names on File
Mailing Address331 MONTCLAIR AVE, LUDLOW, KY 41016-1671
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 11, 2018 · Amount on Record
Deed SaleJun 11, 2018 · Amount on Record
Prior SaleSep 20, 2006 · Amount on Record
Deed Document Number0006428268
Deed Book / Page6428 / 268
Record UpdatedJun 08, 2026

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJun 11, 2018
Property Address331 MONTCLAIR ST, LUDLOW, KY 41016-1671
Document Number0000000120
Book / Page0C6428 / 000268
Instrument DateJun 07, 2018
Instrument120
Transaction TypeTransfer
Record UpdatedJul 04, 2018
Title CompanyKENTUCKY LAND TITLE AGENCY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$75.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address331 MONTCLAIR ST LUDLOW KY 410161671, LUDLOW, KY 41016-1671

Mortgage

Document Number121
DateJun 11, 2018
Book Page0C6428/000272
Instrument121
Lender
NameAMERICAN MTG SVC
TypeMortgage Company
AddressCINCINNATI, OH 45246
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 10, 2048

Mortgage

Document Number122,
DateJun 11, 2018
Book Page0C6428/000286
Instrument122
Lender
NameMISCELLANEOUS GOVT AGCY
AddressCOVINGTON, KY
Agreement
AmountAmount Recorded
Term60 Months
DueJun 10, 2023

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$1,632.00 (+1.49%)$125,000 (-) Land $10,000 Building $115,000$125,000 (-) Land $10,000 Building $115,000
2023$1,608.00$125,000 Land $10,000 Building $115,000$125,000 Land $10,000 Building $115,000

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
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimApr 2024, other causes

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
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 · Published October 2026 · based on 471 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cincinnati BellFiber3,000 / 3,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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