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

Kenton County property record for 431 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,533 sqft · built 1901
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual Name on File
Last Sale	$96,000 (Apr 2019)
Tax Bill	$1,253 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-08-011.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-08-011.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,533 sqft Finished Area
Gross Area	1,611 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,125 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	431 OAK ST
City	LUDLOW
State	KY
Zip	41016-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 48 25'X 125' SS OAK
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	48
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

431 Oak St is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	431 OAK ST, LUDLOW, KY 41016-1440
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2019 · Amount on File
Deed Sale	Apr 4, 2019 · Amount on File
Prior Sale	Oct 3, 1997 · Amount on File
Deed Document Number	201904 04 059 00156
Deed Book / Page	6633 / 58
Record Updated	Oct 29, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 4, 2019
Property Address	431 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000156
Book / Page	0C6633 / 000058
Instrument Date	Mar 8, 2019
Instrument	156
Transaction Type	Transfer
Record Updated	Apr 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 OAK ST LUDLOW KY 410161440, LUDLOW, KY 41016-1440

Mortgage

Document Number	158
Date	Apr 4, 2019
Book Page	0C6633/000061
Instrument	158

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 431 Oak St was $1,253.

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		$142,700 (+48.65%) Land $15,000 Building $127,700	$142,700 (+48.65%) Land $15,000 Building $127,700
2025	$1,253.00	$96,000 Land $10,000 Building $86,000	$96,000 Land $10,000 Building $86,000
2023	$1,235.00	$96,000 Land $10,000 Building $86,000	$96,000 Land $10,000 Building $86,000

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

Flood

FEMA maps place 431 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 431 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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