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

Kenton County property record for 35 Euclid St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,133 sqft · built 1930
Lot Size	0.076 acres (3,328 sqft)
Owner	Individual Name on File
Last Sale	$73,000 (Nov 2007)
Tax Bill	$1,175 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-33-16-014.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-16-014.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,133 sqft Finished Area
Gross Area	1,285 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,328 sqft (0.076 acres)
Lot Dimensions	128 ft deep x 26 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	35 EUCLID ST
City	LUDLOW
State	KY
Zip	41016-1550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNER GEO R PT LOT 15 26'X 128' ES EUCLID
Legal Subdivision	KENNER GEO R
Legal Lot Number	15
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1003
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

35 Euclid St is owned and occupied by an individual who bought it in November 2007.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	35 EUCLID ST, LUDLOW, KY 41016-1550
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2026	Deed of Trust, Mortgage · Line of Credit US BANK
May 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage OPTION FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2007 · Amount on File
Deed Sale	Nov 1, 2007 · Amount on File
Prior Sale	Mar 13, 2007 · Amount on File
Deed Document Number	200711 01 059 00020
Deed Book / Page	3549 / 72
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Aug 13, 2026
Property Address	35 EUCLID ST, LUDLOW, KY 41016-1550
Document Number	0000018222
Book / Page	480 / 139
Instrument Date	Jul 24, 2026
Instrument	202618222
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 EUCLID ST, LUDLOW, KY 41016-1550

Mortgage

Document Number	0000018222,
Date	Aug 13, 2026
Book Page	480/139
Instrument	202618222

Lender

Name	US BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2056

Interest

Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	35 EUCLID ST, LUDLOW, KY 41016-1550
Transaction Type	Mortgage
Record Updated	May 31, 2022
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900028
Date	May 12, 2022
Book Page	370/498
Instrument	22051205900028

Lender

Name	OPTION FINANCIAL LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 35 Euclid St was $1,175.

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		$135,400 (+50.44%) Land $15,000 Building $120,400	$135,400 (+50.44%) Land $15,000 Building $120,400
2025	$1,175.00	$90,000 Land $10,000 Building $80,000	$90,000 Land $10,000 Building $80,000
2023	$1,158.00	$90,000 Land $10,000 Building $80,000	$90,000 Land $10,000 Building $80,000

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

Flood

FEMA maps place 35 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 35 Euclid St is low, with 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 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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