Kenton County property record for 345 Montclair Ave, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,648 sqft · built 1915 |
| Lot Size | 0.113 acres (4,902 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Jan 2023) |
| Tax Bill | $3,591 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-12-03-025.00 |
| Primary APN | 040-12-03-025.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,648 sqft Finished Area |
| Gross Area | 2,708 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Slate |
| Lot Area | 4,902 sqft (0.113 acres) |
| Lot Dimensions | 129 ft deep x 37.8 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 345 MONTCLAIR AVE |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1671 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FLEMMINGS LOTS 148-149 37.75'X 129.10' IRREG S OR W LINE MONTCLAIR & ALBERTA |
| Legal Subdivision | FLEMMINGS |
| Legal Lot Number | 148-149 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 63800 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 345 MONTCLAIR AVE, LUDLOW, KY 41016-1671 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 4, 2023 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Mar 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PNC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2023 · Amount on Record |
| Deed Sale | Jan 4, 2023 · Amount on Record |
| Prior Sale | Jan 4, 2012 |
| Deed Document Number | 202369 |
| Deed Book / Page | 207 / 715 |
| Prior Transfer Date | Nov 23, 2011 |
| Prior Transfer Doc | 0005900165 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 4, 2023 |
| Property Address | 345 MONTCLAIR AVE, LUDLOW, KY 41016-1671 |
| Document Number | 0005900069 |
| Book / Page | 207 / 715 |
| Map Reference | PL 81&82 |
| Instrument Date | Jan 3, 2023 |
| Instrument | 23010405900069 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 905 LINCOLN RD, DAYTON, KY 41074-1636 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 345 MONTCLAIR ST, LUDLOW, KY 41016-1671 |
| Document Number | 0005900070 |
|---|---|
| Date | Jan 4, 2023 |
| Instrument | 23010405900070 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 345 MONTCLAIR ST, LUDLOW, KY 41016-1671 |
| Document Number | 0000000453 |
| Instrument Date | Mar 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 345 MONTCLAIR ST LUDLOW KY 410161671, LUDLOW, KY 41016-1671 |
| Document Number | 0000000453 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 000M24/000131 |
| Instrument | 453 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | CRESCENT SPRINGS, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 22, 2050 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $275,000 (-) Land $15,000 Building $260,000 | $275,000 (-) Land $15,000 Building $260,000 | |
| 2025 | $3,591.00 (+36.13%) | $275,000 (+34.15%) Land $10,000 Building $265,000 | $275,000 (+34.15%) Land $10,000 Building $265,000 |
| 2023 | $2,638.00 | $205,000 Land $10,000 Building $195,000 | $205,000 Land $10,000 Building $195,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2024 · other causes |
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.
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 |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 471 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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