Kenton County property record for 357 Riverbend Dr, Ludlow, KY 41016
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 3 ba · 2,227 sqft · built 2005 |
| Lot Size | 0.051 acres (2,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $266,700 (Jun 2017) |
| Tax Bill | $3,787 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jun 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 840-20-01-020.31 |
| Primary APN | 840-20-01-020.31 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,227 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 2,227 sqft (0.051 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Old Parcel Number | 8402001020.31 |
|---|---|
| Street Address | 357 RIVERBEND DR |
| City | LUDLOW |
| State | KY |
| Zip | 41016-1711 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | RIVERS BREEZE SEC 6 UNIT 20-301 2227 SF PENNINGTON UPPER LEVEL |
| Legal Subdivision | RIVERS BREEZE |
| Legal Phase | 6 |
| Legal Lot Number | 20-301 21 |
| Legal Unit | 20-301 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 63800 |
Source: Kenton County records · APN 840-20-01-020.31
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 357 RIVERBEND DR, LUDLOW, KY 41016-1711 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 02, 2021 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK |
| Jun 09, 2017 | Warranty Deed, Transfer · Conventional Mortgage VICTORY CMNTY BK |
| Mar 22, 2017 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 09, 2017 · Amount on Record |
| Deed Sale | Jun 09, 2017 · Amount on Record |
| Prior Sale | Dec 27, 2005 · Amount on Record |
| Deed Document Number | 0000617851 |
| Deed Book / Page | 6178 / 51 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 357 RIVERBEND DR, LUDLOW, KY 41016-1711 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900283 |
|---|---|
| Date | Mar 02, 2021 |
| Book Page | 176/426 |
| Instrument | 21030205900283 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 359 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 09, 2017 |
| Property Address | 357 RIVERBEND DR, LUDLOW, KY 41016-1711 |
| Document Number | 0000000036 |
| Book / Page | 0C6178 / 000051 |
| Instrument Date | May 31, 2017 |
| Instrument | 36 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2018 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $266.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 357 RIVERBEND DR LUDLOW KY 410161711, LUDLOW, KY 41016-1711 |
| Document Number | 37 |
|---|---|
| Date | Jun 09, 2017 |
| Book Page | 0C6178/000053 |
| Instrument | 37 |
| Name | VICTORY CMNTY BK |
|---|---|
| Type | Bank |
| Address | FORT MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 08, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 357 RIVERBEND DR, LUDLOW, KY 41016-1711 |
| Document Number | 0000000022 |
| Book / Page | 0C6131 / 000271 |
| Instrument Date | Mar 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 357 RIVERBEND DR LUDLOW KY 410161711, LUDLOW, KY 41016-1711 |
| Document Number | 0000000022 |
|---|---|
| Date | Apr 06, 2017 |
| Book Page | 0C6131/000271 |
| Instrument | 22 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 05, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
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 | $3,787.00 (+1.47%) | $290,000 (-) Building $290,000 | $290,000 (-) Building $290,000 |
| 2023 | $3,732.00 | $290,000 Building $290,000 | $290,000 Building $290,000 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 95 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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