34 Euclid St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 34 Euclid St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,671 sqft · built 1890
Lot Size	0.087 acres (3,800 sqft)
Owner	2 Individual Names on File
Last Sale	$169,900 (Nov 2019)
Tax Bill	$2,218 (2025)
Deeds & Mortgages	Dec 2022 Construction Loan Oct 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`026-33-12-013.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-12-013.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,671 sqft Finished Area
Gross Area	2,053 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,800 sqft (0.087 acres)
Lot Dimensions	100 ft deep x 38 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	34 EUCLID ST
City	LUDLOW
State	KY
Zip	41016-1553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LATTA ESTATE PT UNNUM LOT 38'X 100' WS EUCLID 65' N LATTA
Legal Subdivision	LATTA ESTATE
Legal Lot Number	38
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1006
Census Tract	66900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

34 Euclid St is owned and occupied by two individuals who bought it in November 2019.

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	2 Individual Names on File
Mailing Address	34 EUCLID ST, LUDLOW, KY 41016-1553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2022	Deed of Trust, Mortgage · Construction Mortgage US BANK NA
Oct 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP
Nov 6, 2019	Warranty Deed, Transfer · Conventional with PMI STOCKTON MTG
Apr 18, 2019	Warranty Deed, Transfer · Conventional with PMI HOMESERVICES LNDG
Jun 18, 2018	Grant Deed, Transfer
Jun 19, 2018	Trustee's Deed, Construction Loan · Construction Mortgage X0MET0DD LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2019 · Amount on File
Deed Sale	Nov 6, 2019 · Amount on File
Prior Sale	Apr 18, 2019 · Amount on File
Deed Document Number	20195900019
Deed Book / Page	6794 / 166
Prior Transfer Date	Dec 1, 2009
Prior Transfer Doc	0005900025
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	34 EUCLID ST, LUDLOW, KY 41016-1553
Transaction Type	Mortgage
Record Updated	Jan 17, 2023
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 EUCLID ST, LUDLOW, KY 41016-1553

Mortgage

Document Number	0005900089
Date	Dec 14, 2022
Book Page	428/173
Instrument	22121405900089

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 8, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	34 EUCLID ST, LUDLOW, KY 41016-1553
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900281
Date	Oct 11, 2021
Book Page	283/34
Instrument	21101105900281

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 6, 2019
Property Address	34 EUCLID ST, LUDLOW, KY 41016-1553
Document Number	0000000019
Book / Page	0C6794 / 000166
Instrument Date	Oct 30, 2019
Instrument	19
Transaction Type	Transfer
Record Updated	Nov 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	34 EUCLID ST LUDLOW KY 410161553, LUDLOW, KY 41016-1553

Mortgage

Document Number	20
Date	Nov 6, 2019
Book Page	006794/000170
Instrument	20

Lender

Name	STOCKTON MTG
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 18, 2019
Property Address	34 EUCLID ST, LUDLOW, KY 41016-1553
Document Number	0000000203
Book / Page	0C6642 / 000346
Instrument Date	Apr 15, 2019
Instrument	203
Transaction Type	Transfer
Record Updated	Jul 2, 2019
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 EUCLID ST LUDLOW KY 410161553, LUDLOW, KY 41016-1553

Mortgage

Document Number	204
Date	Apr 18, 2019
Book Page	0C6642/000349
Instrument	204

Lender

Name	HOMESERVICES LNDG
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 18, 2018
Property Address	34 EUCLID ST, LUDLOW, KY 41016-1553
Document Number	0000000268
Book / Page	0C6433 / 000233
Instrument Date	Jun 18, 2018
Instrument	268
Transaction Type	Transfer
Record Updated	Jul 5, 2018

Transaction

Amount	Amount on Record
Tax	$38.30
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1126 EXTER DR PARK HILLS KY 410112821, PARK HILLS, KY 41011-2821

June 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Jun 19, 2018
Property Address	34 EUCLID ST, LUDLOW, KY 41016-1553
Book / Page	0C6434 / 000083
Instrument Date	Jun 8, 2018
Instrument	183
Transaction Type	Construction Loan
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1126 EXTER DR PARK HILLS KY 410112821, PARK HILLS, KY 41011-2821

Mortgage

Document Number	0000000183
Date	Jun 19, 2018
Book Page	0C6434/000083
Instrument	183

Lender

Name	X0MET0DD LLC
Address	1894 E GALBRAITH RD, CINCINNATI, OH 45215-5635

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 18, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 34 Euclid St was $2,218.

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		$175,500 (+3.3%) Land $15,000 Building $160,500	$175,500 (+3.3%) Land $15,000 Building $160,500
2025	$2,218.00	$169,900 Land $10,000 Building $159,900	$169,900 Land $10,000 Building $159,900
2023	$2,186.00	$169,900 Land $10,000 Building $159,900	$169,900 Land $10,000 Building $159,900

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

Flood

FEMA maps place 34 Euclid St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	7 (1978–2014)
Most Recent Claim	Jun 2014 · river or lake flooding
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 5 claims

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

Wildfire risk around 34 Euclid St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 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.

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.

Nearby Properties on Euclid St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures