405 Oak St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 405 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,125 sqft · built 1900
Lot Size	0.066 acres (2,875 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Mar 2023)
Tax Bill	$1,763 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-08-019.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-08-019.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,125 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,875 sqft (0.066 acres)
Lot Dimensions	125 ft deep x 23 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 OAK ST
City	LUDLOW
State	KY
Zip	41016-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNER GEO R PT LOT 56 23'X 125' SS OAK 56 2,3' W KENNER
Legal Subdivision	KENNER GEO R
Legal Lot Number	56
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3007
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

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 Record
Mailing Address	405 OAK ST, LUDLOW, KY 41016-1440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Sep 13, 2021	Deed of Trust, Mortgage GUARDIAN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2023 · Amount on Record
Deed Sale	Mar 8, 2023 · Amount on Record
Prior Sale	Jul 30, 2014 · Amount on Record
Deed Document Number	2023194
Deed Book / Page	216 / 748
Prior Transfer Date	Mar 7, 2023
Prior Transfer Doc	0005900194
Record Updated	Oct 29, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Mar 8, 2023
Property Address	405 OAK ST, LUDLOW, KY 41016-1440
Document Number	0005900194
Book / Page	KC 216 / 748
Instrument Date	Feb 28, 2023
Instrument	23030805900194
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 OAK ST, LUDLOW, KY 41016-1440

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	405 OAK ST, LUDLOW, KY 41016-1440

Mortgage

Document Number	0005900195
Date	Mar 8, 2023
Instrument	23030805900195

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	405 OAK ST, LUDLOW, KY 41016-1440
Transaction Type	Mortgage
Record Updated	Sep 28, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900039
Date	Sep 13, 2021
Book Page	270/235
Instrument	21091305900039

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

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		$196,600 (+45.63%) Land $15,000 Building $181,600	$196,600 (+45.63%) Land $15,000 Building $181,600
2025	$1,763.00 (+1.5%)	$135,000 (-) Land $10,000 Building $125,000	$135,000 (-) Land $10,000 Building $125,000
2023	$1,737.00	$135,000 Land $10,000 Building $125,000	$135,000 Land $10,000 Building $125,000

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

Flood

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	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 10 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

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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