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

Kenton County property record for 421 Oak St, Ludlow, KY 41016 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,475 sqft · built 1900
Lot Size0.068 acres (3,000 sqft)
OwnerCompany Name on File
Last Sale$34,000 (Feb 2012)
Tax Bill$1,436 (2025)
Deeds & MortgagesSep 2018 Transfer
Sep 2018 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN026-34-08-013.00

Property Details

APN / Parcel Number

Primary APN026-34-08-013.00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,475 sqft Finished Area
Gross Area1,595 sqft

Exterior

Year BuiltBuilt 1900
Exterior MaterialAluminum/Vinyl
Foundation TypeBlock
Roof MaterialComposition Shingle
Lot Area3,000 sqft (0.068 acres)
Lot Dimensions125 ft deep x 24 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Old Parcel Number0263408013.00
Street Address421 OAK ST
CityLUDLOW
StateKY
Zip41016-1440
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKENNER GEO R PT LOT 57 24'X 125' SS OAK 242' W KENNER
Legal SubdivisionKENNER GEO R
Legal Lot Number57
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group3
Census Block3007
Census Tract66900

Owner

Source: Kenton County records · APN 026-34-08-013.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address1030 HAGGIN LN, WILMORE, KY 40390-9602
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Sep 04, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Sep 04, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Jul 17, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 07, 2012 · Amount on Record
Deed SaleFeb 07, 2012 · Amount on Record
Prior SaleFeb 07, 2012 · Amount on Record
Deed Document Number0000000106
Last Transfer DateSep 04, 2018
Transfer Doc0000000221
Record UpdatedJun 08, 2026

September 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateSep 04, 2018
Property Address421 OAK ST, LUDLOW, KY 41016-1440
Document Number0000000219
Book / Page0C6493 / 000001
Instrument DateAug 28, 2018
Instrument219
Transaction TypeTransfer
Record UpdatedSep 20, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address421 OAK ST LUDLOW KY 410161440, LUDLOW, KY 41016-1440

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateSep 04, 2018
Property Address421 OAK ST, LUDLOW, KY 41016-1440
Document Number0000000221
Book / Page0C6493 / 000005
Instrument DateAug 28, 2018
Instrument221
Transaction TypeTransfer
Record UpdatedSep 20, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$127.00
Amount AccuracyConfirmed
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1121 CARPENTERS TRCE VILLA HILLS KY 410174416, VILLA HILLS, KY 41017-4416

July 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateJul 17, 2018
Property Address421 OAK ST, LUDLOW, KY 41016-1440
Document Number0000000223
Book / Page0C6454 / 000125
Instrument DateJun 27, 2018
Instrument223
Transaction TypeTransfer
Record UpdatedAug 01, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address705 LAKEFIELD DR INDEPENDENCE KY 410518305, INDEPENDENCE, KY 41051-8305

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityLudlow City
Unified School DistrictLudlow Independent School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,436.00 (+1.48%)$110,000 (-) Land $10,000 Building $100,000$110,000 (-) Land $10,000 Building $100,000
2023$1,415.00$110,000 Land $10,000 Building $100,000$110,000 Land $10,000 Building $100,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170669003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 14 individual NFIP policies nearby
Nearby Flood Policies14 in force
12 of 14 on primary residences
Nearby Flood Claims12 (1997–2025)
Most Recent ClaimApr 2025, rainfall accumulation, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Flood Events
  • Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides (Apr 2025), 2 claims
  • Severe Storm, Flooding, And Tornadoes (Mar 1997), 10 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin 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.

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