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

Kenton County property record for 424 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,690 sqft · built 1920
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$137,500 (Aug 2017)
Tax Bill	$1,959 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-07-021.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-07-021.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,690 sqft Finished Area
Gross Area	1,946 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Slate
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	424 OAK ST
City	LUDLOW
State	KY
Zip	41016-1441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 44
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	44
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3006
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

424 Oak St is owned and occupied by an individual who bought it in August 2017.

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

Owner of Record	Individual Name on File
Mailing Address	424 OAK ST, LUDLOW, KY 41016-1441
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Aug 17, 2017	Grant Deed, Transfer · Conventional Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2017 · Amount on File
Deed Sale	Aug 17, 2017 · Amount on File
Prior Sale	Jun 12, 2006 · Amount on File
Deed Document Number	201708 17 059 00170
Deed Book / Page	6226 / 338
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	424 OAK ST, LUDLOW, KY 41016-1441
Document Number	0000000136
Instrument Date	Aug 31, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	THIRD CAPITAL TITLE CINCINNATI, THIRD CAP TITLE CINCINNATI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 OAK ST LUDLOW KY 410161441, LUDLOW, KY 41016-1441

Mortgage

Document Number	0000000136
Date	Sep 8, 2020
Book Page	000M94/000524
Instrument	136

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 7, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Aug 17, 2017
Property Address	424 OAK ST, LUDLOW, KY 41016-1441
Document Number	0000000170
Book / Page	C6226 / 000338
Instrument Date	Aug 16, 2017
Instrument	170
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 OAK ST LUDLOW KY 410161441, LUDLOW, KY 41016-1441

Mortgage

Document Number	171
Date	Aug 17, 2017
Book Page	006226/000341
Instrument	171

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 424 Oak St was $1,959.

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		$200,600 (+33.73%) Land $15,000 Building $185,600	$200,600 (+33.73%) Land $15,000 Building $185,600
2025	$1,959.00	$150,000 Land $10,000 Building $140,000	$150,000 Land $10,000 Building $140,000
2023	$1,930.00	$150,000 Land $10,000 Building $140,000	$150,000 Land $10,000 Building $140,000

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

Flood

FEMA maps place 424 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 424 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.

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