423 Oak St, #29, Covington, KY 41016 Property Records

Kenton County property record for 423 Oak St, #29, Covington, KY 41016

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 7,484 sqft · built 1890
Lot Size	0.009 acres (375 sqft)
Owner	Company Name on Record
Last Sale	$230,000 (Apr 2024)
Tax Bill	$1,959 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-08-012.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-08-012.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	7,484 sqft Finished Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Lot Area	375 sqft (0.009 acres)
Lot Dimensions	125 ft deep x 3 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	423 OAK ST, 29
City	COVINGTON
State	KY
Zip	41016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOTS 45-46 & 3'X 125' EAST OD LOT 45
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	45-46
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 April 2, 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	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2024	Deed of Trust, Mortgage FORGE TRUST CO CFBO GARY LESSIS IRA 4181
Sep 15, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Nov 27, 2019	Warranty Deed, Transfer · Conventional with PMI HOME SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2024 · Amount on Record
Deed Sale	Apr 11, 2024 · Amount on Record
Prior Sale	Sep 15, 2020 · Amount on Record
Deed Document Number	2024135
Deed Book / Page	279 / 20
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	423 OAK ST # 29, 29, LUDLOW, KY 41016-1440
Transaction Type	Mortgage
Record Updated	May 6, 2024
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0005900136
Date	Apr 11, 2024
Book Page	KCM540/161
Instrument	24041105900136

Lender

Name	FORGE TRUST CO CFBO GARY LESSIS IRA 4181
Type	Private Party
Address	PO BOX 6850, SAN MATEO, CA 94403

Agreement

Amount	Amount Recorded
Term	37 Months
Due	May 1, 2027

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 15, 2020
Property Address	423 OAK ST # 29, 29, LUDLOW, KY 41016-1440
Document Number	0000000040
Book / Page	000043 / 000399
Instrument Date	Sep 11, 2020
Instrument	40
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$153.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 OAK ST LUDLOW KY 410161440, LUDLOW, KY 41016-1440

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 27, 2019
Property Address	423 OAK ST # 29, 29, LUDLOW, KY 41016-1440
Document Number	0000000110
Book / Page	0C6813 / 000165
Instrument Date	Nov 26, 2019
Instrument	110
Transaction Type	Transfer
Record Updated	Dec 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$152.50
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423-429 OAK ST LUDLOW KY 41016, LUDLOW, KY 41016

Mortgage

Document Number	111
Date	Nov 27, 2019
Book Page	0C6813/000170
Instrument	111

Lender

Name	HOME SVGS BK
Type	Federal Savings Bank
Address	LUDLOW, KY 41016

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 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
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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.

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