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

Kenton County property record for 415 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,728 sqft · built 1929
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Sep 2025)
Tax Bill	$3,003 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-08-016.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-08-016.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,728 sqft Finished Area
Gross Area	2,016 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,125 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	415 OAK ST
City	LUDLOW
State	KY
Zip	41016-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNER GEO R CENTER PT OF LOT 57 25'X 125' SS OAK 168' 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	Individual Name on Record
Mailing Address	415 OAK ST, LUDLOW, KY 41016-1440
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Mar 4, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Mar 26, 2020	Warranty Deed, Construction Loan · Construction Mortgage MM LNDG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2025 · Amount on Record
Deed Sale	Sep 5, 2025 · Amount on Record
Prior Sale	Mar 4, 2021 · Amount on Record
Deed Document Number	2025090595
Deed Book / Page	361 / 216
Record Updated	Oct 29, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Sep 5, 2025
Property Address	415 OAK ST, LUDLOW, KY 41016-1440
Document Number	0005900095
Book / Page	KC 361 / 216
Instrument Date	Aug 29, 2025
Instrument	25090505900095
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	600 DELTA AVE, CINCINNATI, OH 45226-1971

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 OAK ST, LUDLOW, KY 41016-1440

Mortgage

Document Number	0005900096
Date	Sep 5, 2025
Instrument	25090505900096

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 4, 2021
Property Address	415 OAK ST, LUDLOW, KY 41016-1440
Document Number	0005900073
Book / Page	75 / 644
Map Reference	PL 133
Instrument Date	Feb 26, 2021
Instrument	21030405900073
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 17095, COVINGTON, KY 41017-0095

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	415 OAK ST, LUDLOW, KY 41016-1440

Mortgage

Document Number	0005900074
Date	Mar 4, 2021
Instrument	21030405900074

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

March 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 26, 2020
Property Address	415 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000073
Book / Page	000014 / 000432
Instrument Date	Mar 23, 2020
Instrument	73
Transaction Type	Construction Loan
Record Updated	Jun 1, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$63.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	56 ORPHANAGE RD FORT MITCHELL KY 410173128, FORT MITCHELL, KY 41017-3128

Mortgage

Document Number	74
Date	Mar 26, 2020
Book Page	000M25/000444
Instrument	74

Lender

Name	MM LNDG LLC
Address	LOUISVILLE, KY 40207

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 25, 2021

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		$280,000 (+21.74%) Land $15,000 Building $265,000	$280,000 (+21.74%) Land $15,000 Building $265,000
2025	$3,003.00 (+1.45%)	$230,000 (-) Land $10,000 Building $220,000	$230,000 (-) Land $10,000 Building $220,000
2023	$2,960.00	$230,000 Land $10,000 Building $220,000	$230,000 Land $10,000 Building $220,000

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