421 Closson Ct, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 421 Closson Ct, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,792 sqft · built 1910
Lot Size	0.125 acres (5,464 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,100 (Jun 2001)
Tax Bill	$2,285 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-33-06-006.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-06-006.00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,792 sqft Finished Area
Gross Area	2,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	5,464 sqft (0.125 acres)
Lot Dimensions	108 ft deep x 51 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	421 CLOSSON CT
City	LUDLOW
State	KY
Zip	41016-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNER GEO R PT LOT 72 51'X 108.12' IRREG SS CLOSSEN CT
Legal Subdivision	KENNER GEO R
Legal Lot Number	72
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3002
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	2 Individual Names on Record
Mailing Address	421 CLOSSON CT, LUDLOW, KY 41016-1425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2001 · Amount on Record
Deed Sale	Jun 13, 2001 · Amount on Record
Last Transfer Date	Dec 23, 2008
Transfer Doc	0005900064
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	421 CLOSSON CT, LUDLOW, KY 41016-1425
Transaction Type	Mortgage
Record Updated	Sep 19, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 CLOSSON CT, LUDLOW, KY 41016-1425

Mortgage

Document Number	0005900056
Date	Sep 1, 2022
Book Page	402/989
Instrument	22090105900056

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 11, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	421 CLOSSON CT, LUDLOW, KY 41016-1425
Document Number	0000000053
Instrument Date	Nov 23, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	421 CLOSSON CT LUDLOW KY 410161425, LUDLOW, KY 41016-1425

Mortgage

Document Number	0000000053
Date	Dec 4, 2019
Book Page	0C6817/000070
Instrument	53

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2049

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		$175,000 (-) Land $15,000 Building $160,000	$175,000 (-) Land $15,000 Building $160,000
2025	$2,285.00 (+1.47%)	$175,000 (-) Land $10,000 Building $165,000	$175,000 (-) Land $10,000 Building $165,000
2023	$2,252.00	$175,000 Land $10,000 Building $165,000	$175,000 Land $10,000 Building $165,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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