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

Kenton County property record for 40 Euclid St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,365 sqft · built 1940
Lot Size	0.08 acres (3,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$894 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-33-13-006.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-13-006.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,365 sqft Finished Area
Gross Area	1,732 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,500 sqft (0.08 acres)
Lot Dimensions	100 ft deep x 35 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 EUCLID ST
City	LUDLOW
State	KY
Zip	41016-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LATTA ESTATE PT LOT 1 35'X 100' SWC EUCLID & LATTA
Legal Subdivision	LATTA ESTATE
Legal Lot Number	1
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
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

40 Euclid St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 EUCLID ST, LUDLOW, KY 41016-1554
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
Mar 2, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jan 23, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	40 EUCLID ST, LUDLOW, KY 41016-1554
Document Number	0000000021
Instrument Date	Mar 2, 2018
Transaction Type	Mortgage
Record Updated	Mar 29, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 EUCLID ST LUDLOW KY 410161554, LUDLOW, KY 41016-1554

Mortgage

Document Number	0000000021
Date	Mar 16, 2018
Book Page	0C6371/000205
Instrument	21

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MO 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2048

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	40 EUCLID ST, LUDLOW, KY 41016-1554
Document Number	0000000097
Book / Page	0C6093 / 000137
Instrument Date	Jan 23, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 EUCLID ST LUDLOW KY 410161554, LUDLOW, KY 41016-1554

Mortgage

Document Number	0000000097
Date	Feb 9, 2017
Book Page	0C6093/000137
Instrument	97

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 8, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 40 Euclid St was $894 with a homeowner's exemption.

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		$156,500 (+33.08%) Land $15,000 Building $141,500	$156,500 (+33.08%) Land $15,000 Building $141,500
2025	$894.00 Homeowner's exemption	$117,600 Land $10,000 Building $107,600	$117,600 Land $10,000 Building $107,600
2023	$1,513.00	$117,600 Land $10,000 Building $107,600	$117,600 Land $10,000 Building $107,600

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

Flood

FEMA maps place 40 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 40 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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