Kenton County property record for 366 Riverbend Dr, Ludlow, KY 41016
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2.5 ba · 1,761 sqft · built 2005 |
| Lot Size | 0.04 acres (1,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $387,000 (Mar 2020) |
| Tax Bill | $4,412 (2025) |
| Deeds & Mortgages | Aug 2020 Line of Credit Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 840-20-01-017.24 |
| Primary APN | 840-20-01-017.24 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,761 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 1,761 sqft (0.04 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 366 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 17-204 1761 SF WESTHAMPTON |
| Legal Subdivision | RIVERS BREEZE |
| Legal Phase | 6 |
| Legal Lot Number | 17-204 |
| Legal Unit | 17-204 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 63800 |
366 Riverbend Dr, a condominium, is owned and occupied by two individuals who bought it in March 2020.
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 | 366 RIVERBEND DR, COVINGTON, KY 41016-1710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 14, 2020 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Mar 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Mar 19, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2020 · Amount on File |
| Deed Sale | Mar 19, 2020 · Amount on File |
| Prior Sale | Sep 3, 2015 · Amount on File |
| Deed Document Number | 20205900444 |
| Deed Book / Page | 12 / 974 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 366 RIVERBEND DR, LUDLOW, KY 41016-1710 |
| Document Number | 0000000238 |
| Instrument Date | Aug 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 366 RIVERBEND DR COVINGTON KY 410161710, COVINGTON, KY 41016-1710 |
| Document Number | 0000000238 |
|---|---|
| Date | Sep 8, 2020 |
| Book Page | 000M94/000758 |
| Instrument | 238 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 7, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 366 RIVERBEND DR, LUDLOW, KY 41016-1710 |
| Document Number | 0000000445 |
| Instrument Date | Mar 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 366 RIVERBEND DR LUDLOW KY 410161710, LUDLOW, KY 41016-1710 |
| Document Number | 0000000445 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 000021/000978 |
| Instrument | 445 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 18, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 19, 2020 |
| Property Address | 366 RIVERBEND DR, LUDLOW, KY 41016-1710 |
| Document Number | 0000000444 |
| Book / Page | 000012 / 000974 |
| Instrument Date | Mar 17, 2020 |
| Instrument | 444 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $387.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 366 RIVERBEND DR LUDLOW KY 410161710, LUDLOW, KY 41016-1710 |
| Document Number | 445 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 000021/000978 |
| Instrument | 445 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 18, 2050 |
The 2025 property tax bill for 366 Riverbend Dr was $4,412 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 | $387,000 (-) Building $387,000 | $387,000 (-) Building $387,000 | |
| 2025 | $4,412.00 Homeowner's exemption | $387,000 Building $387,000 | $387,000 Building $387,000 |
| 2023 | $4,383.00 Homeowner's exemption | $387,000 Building $387,000 | $387,000 Building $387,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 366 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 366 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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