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

Kenton County property record for 413 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,924 sqft · built 1900
Lot Size	0.118 acres (5,125 sqft)
Owner	Company Name on Record
Last Sale	$2,868 (Jul 2023)
Tax Bill	$1,959 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-08-017.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-08-017.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,924 sqft Finished Area
Gross Area	3,655 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	5,125 sqft (0.118 acres)
Lot Dimensions	125 ft deep x 41 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	413 OAK ST
City	LUDLOW
State	KY
Zip	41016-1440
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	KENNER GEO R W 41' OF E 68' LOT 57 41'X 125' SS OAK 127' W KENNER
Legal Subdivision	KENNER GEO R
Legal Lot Number	57
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	243 ELM ST, LUDLOW, KY 41016-1547
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Deed of Trust, Mortgage · Commercial Mortgage RCN CAPITAL LLC
Jul 27, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage GOLDEN EMPIRE MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2023 · Amount on Record
Deed Sale	Jul 26, 2023 · Amount on Record
Prior Sale	Jul 27, 2022 · Amount on Record
Deed Document Number	2023319
Deed Book / Page	237 / 963
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	413 OAK ST, LUDLOW, KY 41016-1440
Transaction Type	Mortgage
Record Updated	Jan 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900049
Date	Nov 30, 2023
Book Page	KCM 510/604
Instrument	23113005900049

Lender

Name	RCN CAPITAL LLC
Type	Mortgage Company
Address	SOUTH WINDSOR, CT 06074

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 27, 2022
Property Address	413 OAK ST, LUDLOW, KY 41016-1440
Document Number	0005900042
Book / Page	179 / 233
Instrument Date	Jul 19, 2022
Instrument	22072705900042
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11066 GATEWOOD CT, 11066, FLORENCE, KY 41042-4784

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 ELM ST, LUDLOW, KY 41016-1547

Mortgage

Document Number	0005900043
Date	Jul 27, 2022
Instrument	22072705900043

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 19, 2023

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		$150,000 (-) Land $15,000 Building $135,000	$150,000 (-) Land $15,000 Building $135,000
2025	$1,959.00 (+52.21%)	$150,000 (+5%) Land $10,000 Building $140,000	$150,000 (+5%) Land $10,000 Building $140,000
2023	$1,287.00	$100,000 Land $10,000 Building $90,000	$100,000 Land $10,000 Building $90,000

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.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures