Kenton County property record for 360 Riverbend Dr, Ludlow, KY 41016
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 2,023 sqft · built 2005 |
| Lot Size | 0.046 acres (2,023 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $309,000 (Nov 2020) |
| Tax Bill | $3,394 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage May 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 840-20-01-017.32 |
| Primary APN | 840-20-01-017.32 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,023 sqft Finished Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 2,023 sqft (0.046 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 360 RIVERBEND DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41016-1710 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | RIVERS BREEZE SEC 6 UNIT 17-302 2023 SF ROCHESTER UPPER MIDDLE |
| Legal Subdivision | RIVERS BREEZE |
| Legal Phase | 6 |
| Legal Lot Number | 17-302 |
| Legal Unit | 17-302 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 63800 |
360 Riverbend Dr, a condominium, is owned and occupied by two individuals who acquired it in May 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 360 RIVERBEND DR, COVINGTON, KY 41016-1710 |
| 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.
| Date | Document |
|---|---|
| Jan 20, 2023 | Deed of Trust, Mortgage · Conventional Mortgage THRIVE MORTGAGE LLC |
| May 24, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Oct 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MTG SVC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2020 · Amount on File |
| Deed Sale | Nov 10, 2020 · Amount on File |
| Prior Sale | Jun 24, 2013 · Amount on File |
| Deed Document Number | 20205900239 |
| Deed Book / Page | 54 / 479 |
| Last Transfer Date | May 16, 2022 |
| Transfer Doc | 0005900234 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 360 RIVERBEND DR, LUDLOW, KY 41016-1710 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2023 |
| Title Company | SPRINGDALE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 360 RIVERBEND DR, LUDLOW, KY 41016-1710 |
| Document Number | 0005900107 |
|---|---|
| Date | Jan 20, 2023 |
| Book Page | KCM 435/445 |
| Instrument | 23012005900107 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GEORGETOWN, TX 78633 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 24, 2022 |
| Property Address | 360 RIVERBEND DR, LUDLOW, KY 41016-1710 |
| Document Number | 0005900234 |
| Book / Page | 166 / 955 |
| Map Reference | MB C-1234 PG 298 |
| Instrument Date | May 16, 2022 |
| Instrument | 22052405900234 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2022 |
| Title Company | SPRINGDALE TITLE LLC |
| Tax | $50.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 360 RIVERBEND DR, 360, LUDLOW, KY 41016-1710 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 360 RIVERBEND DR, LUDLOW, KY 41016-1710 |
| Document Number | 0005900235 |
|---|---|
| Date | May 24, 2022 |
| Instrument | 22052405900235 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Jun 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.1% |
| Index | Other |
| Max Rate | 10.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 360 RIVERBEND DR, LUDLOW, KY 41016-1710 |
| Document Number | 0000000040 |
| Instrument Date | Oct 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2020 |
| Title Company | SPRINGDALE TITLE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 360 RIVERBEND DR LUDLOW KY 410161710, LUDLOW, KY 41016-1710 |
| Document Number | 0000000040 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 00M124/000076 |
| Instrument | 40 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 9, 2050 |
The 2025 property tax bill for 360 Riverbend Dr was $3,394 with a homeowner's exemption.
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 | $309,000 (-) Building $309,000 | $309,000 (-) Building $309,000 | |
| 2025 | $3,394.00 Homeowner's exemption | $309,000 Building $309,000 | $309,000 Building $309,000 |
| 2023 | $3,976.00 | $309,000 Building $309,000 | $309,000 Building $309,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 360 Riverbend Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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.
Wildfire risk around 360 Riverbend Dr 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 |
| 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 95 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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