331 Oak St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 331 Oak St, Ludlow, KY 41016 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1925
Square Footage	1,274 sqft Finished Area
Lot Size	138 sqft (0.003 acres)
Occupancy	Owner Occupied
Last Sale	$170,000 (2024)
Tax Bill	$2,220.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`026-34-10-002.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Building Area	1,274 sqft Finished Area
Gross Area	1,648 sqft Gross Area
Stories	1 Stories

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Brick Exterior
Roof Material	Composition Shingle Roof
Lot Area	138 sqft (0.003 acres)
Depth X Width	69 ft x 2 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Street Address	331 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 LOT 55 43 1/2'X 69' SS OAK 44' E KENNER
Legal Subdivision	KENNER GEO R
Legal Lot Number	55
Jurisdiction	KENTON KY
Minor Civil Division	COVINGTON
Census Blockgroup	2
Census Block	2023
Census Tract	66900

Owner

Source: Kenton County records · APN 026-34-10-002.00

Assessment roll updated December 2, 2025 · Last verified August 2026

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	331 OAK ST, LUDLOW, KY 41016-1416
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 26, 2024 · Amount on Record
Deed Sale	Feb 26, 2024 · Amount on Record
Prior Sale	Nov 21, 2003 · Amount on Record
Deed Doc Number	2024110
Deed Book / Page	271 / 327
Record Refreshed	Sep 20, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 26, 2024
Property Address	331 OAK ST, LUDLOW, KY 41016-1416
Document Number	0005900110
Book / Page	KC 271 / 327
Instrument Date	Feb 16, 2024
Instrument	24022605900110
Transaction Type	Transfer
Record Updated	Mar 22, 2024
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 VIEWPOINT DR, ALEXANDRIA, KY 41001-1086

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	331 OAK ST, LUDLOW, KY 41016-1416

Mortgage

Document Number	0005900111
Date	Feb 26, 2024
Book Page	KCM 528/447
Instrument	24022605900111

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2054

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026

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

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	$2,220.00 (+39.18%)	$170,000 (+37.1%) Land $10,000 Building $160,000	$170,000 (+37.1%) Land $10,000 Building $160,000
2023	$1,595.00	$124,000 Land $10,000 Building $114,000	$124,000 Land $10,000 Building $114,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.

Historic Designation

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.