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

Kenton County property record for 433 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,220 sqft · built 1900
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Apr 2022)
Tax Bill	$3,003 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Oct 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-08-010.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-08-010.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,220 sqft Finished Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Block
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	433 OAK ST
City	LUDLOW
State	KY
Zip	41016-1440
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LUDLOW 2ND PART LOT 49 25'X 125' SS OAK
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	49
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 October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	433 OAK ST, LUDLOW, KY 41016-1440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LENDING LLC
Oct 29, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage LENDINGHOME FUNDING CORP
Oct 16, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Aug 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 18, 2018	Quit Claim Deed, Transfer Quitclaim
Feb 8, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2022 · Amount on Record
Deed Sale	Apr 11, 2022 · Amount on Record
Prior Sale	Oct 29, 2021 · Amount on Record
Deed Document Number	202237
Deed Book / Page	158 / 824
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 11, 2022
Property Address	433 OAK ST, LUDLOW, KY 41016-1440
Document Number	0005900037
Book / Page	158 / 824
Map Reference	PL 158
Instrument Date	Apr 7, 2022
Instrument	22041105900037
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10302 CHERRY LN, 10302, FLORENCE, KY 41042-3169

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 OAK ST, LUDLOW, KY 41016-1440

Mortgage

Document Number	0005900038
Date	Apr 11, 2022
Instrument	22040705900038

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 29, 2021
Property Address	433 OAK ST, LUDLOW, KY 41016-1440
Document Number	0005900302
Book / Page	127 / 750
Map Reference	PL 158
Instrument Date	Sep 24, 2021
Instrument	21102905900302
Transaction Type	Transfer
Record Updated	Nov 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 CHERRY, FLORENCE, KY 41042

Mortgage

Document Number	0005900303
Date	Oct 29, 2021
Book Page	293/312
Instrument	21102905900303

Lender

Name	LENDINGHOME FUNDING CORP
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 16, 2018
Property Address	433 OAK ST, LUDLOW, KY 41016-1440
Document Number	0C65240266
Book / Page	0C6524 / 000266
Instrument Date	Oct 12, 2018
Transaction Type	Transfer
Record Updated	Oct 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$35.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 173859 DENVER CO 802173859, DENVER, CO 80217-3859
Investor	Possibly a Property Investor

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Aug 20, 2018
Property Address	433 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000264
Book / Page	0C6480 / 000097
Instrument Date	Jul 18, 2018
Instrument	264
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$26.10
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6455 SUNSTONE AVE ALTA LOMA CA 917014018, ALTA LOMA, CA 91701-4018

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Sep 18, 2018
Property Address	433 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000170
Book / Page	0C6503 / 000284
Instrument Date	Apr 9, 2018
Instrument	170
Transaction Type	Transfer
Record Updated	Oct 4, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6455 SUNSTONE AVE ALTA LOMA CA 917014018, ALTA LOMA, CA 91701-4018

February 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Feb 8, 2018
Property Address	433 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000006
Book / Page	0C6349 / 000320
Instrument Date	Dec 27, 2017
Instrument	6
Transaction Type	Foreclosure
Record Updated	Mar 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493

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		$230,000 (-) Land $15,000 Building $215,000	$230,000 (-) Land $15,000 Building $215,000
2025	$3,003.00 (+1.45%)	$230,000 (-) Land $10,000 Building $220,000	$230,000 (-) Land $10,000 Building $220,000
2023	$2,960.00	$230,000 Land $10,000 Building $220,000	$230,000 Land $10,000 Building $220,000

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
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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