Kenton County property record for 402 Oak St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,580 sqft · built 1890 |
| Lot Size | 0.039 acres (1,720 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $795 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-33-07-011.00 |
| Primary APN | 026-33-07-011.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,580 sqft Finished Area |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 1,720 sqft (0.039 acres) |
| Lot Dimensions | 50 ft deep x 34.4 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 402 OAK ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KENNER GEO R PT LOT 45 34.4'X 50' NWC OAK & KENNER |
| Legal Subdivision | KENNER GEO R |
| Legal Lot Number | 45 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 66900 |
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.
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 16078, COVINGTON, KY 41016-0078 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
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 | $146,000 (+32.73%) Land $15,000 Building $131,000 | $146,000 (+32.73%) Land $15,000 Building $131,000 | |
| 2025 | $795.00 (-2.81%) Homeowner's exemption | $110,000 (-) Land $10,000 Building $100,000 | $110,000 (-) Land $10,000 Building $100,000 |
| 2023 | $818.00 Homeowner's exemption | $110,000 Land $10,000 Building $100,000 | $110,000 Land $10,000 Building $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 12 (1997–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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: 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.
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 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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