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

Kenton County property record for 417 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,441 sqft · built 1905
Lot Size	0.077 acres (3,375 sqft)
Owner	Company Name on File
Last Sale	$110,000 (Jul 2017)
Tax Bill	$1,632 (2025)
Deeds & Mortgages	Jul 2017 Sale & Line of Credit Jan 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`026-34-08-015.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-08-015.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,441 sqft Finished Area
Gross Area	1,585 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,375 sqft (0.077 acres)
Lot Dimensions	125 ft deep x 27 ft wide
Garage Type	Detached
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	417 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 57 27'X 125' SS OAK 193' 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

417 Oak St is owned by a company that bought it in July 2017.

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

Owner of Record	Company Name on File
Mailing Address	1054 WALD CT, PARK HILLS, KY 41011-1533
Owner Type	Company
Vesting	Company

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
Jul 25, 2017	Warranty Deed, Transfer · Line of Credit VICTORY CMNTY BK
Jan 25, 2017	Warranty Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2017 · Amount on File
Deed Sale	Jul 25, 2017 · Amount on File
Prior Sale	Jan 25, 2017 · Amount on File
Deed Document Number	201707 25 059 00123
Deed Book / Page	6209 / 148
Prior Transfer Date	Apr 21, 1998
Record Updated	Oct 29, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 25, 2017
Property Address	417 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000123
Book / Page	ORC620 / 000148
Instrument Date	Jul 20, 2017
Instrument	123
Transaction Type	Transfer
Record Updated	Aug 10, 2017
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1138 AUDUBON RD PARK HILLS KY 410111902, PARK HILLS, KY 41011-1902

Mortgage

Document Number	124
Date	Jul 25, 2017
Book Page	ORC620/000152
Instrument	124

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 24, 2032

Interest

Rate Type	Adjustable Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 25, 2017
Property Address	417 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000173
Book / Page	0C6082 / 000314
Instrument Date	Jan 17, 2017
Instrument	173
Transaction Type	Transfer
Record Updated	May 11, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Tax	$37.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 W 6TH ST COVINGTON KY 410111302, COVINGTON, KY 41011-1302

Tax Assessment & Valuation

The 2025 property tax bill for 417 Oak St was $1,632.

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		$159,700 (+27.76%) Land $15,000 Building $144,700	$159,700 (+27.76%) Land $15,000 Building $144,700
2025	$1,632.00	$125,000 Land $10,000 Building $115,000	$125,000 Land $10,000 Building $115,000
2023	$1,608.00	$125,000 Land $10,000 Building $115,000	$125,000 Land $10,000 Building $115,000

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

Flood

FEMA maps place 417 Oak St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1997.

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 File 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

Wildfire risk around 417 Oak 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.

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