Kenton County property record for 435 Pinnacle Way, Ludlow, KY 41016
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 2,023 sqft · built 2003 |
| Lot Size | 0.046 acres (2,023 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $260,530 (Dec 2003) |
| Tax Bill | $3,276 (2025) |
| Deeds & Mortgages | Mar 2021 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 840-20-01-007.33 |
| Primary APN | 840-20-01-007.33 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,023 sqft Finished Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 2,023 sqft (0.046 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 435 PINNACLE WAY |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1703 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | RIVERS BREEZE SEC 2 UNIT 7-303 2023 SF AMHERST |
| Legal Subdivision | RIVERS BREEZE |
| Legal Phase | 2 |
| Legal Lot Number | 7-303 |
| Legal Unit | 7-303 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 63800 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 435 PINNACLE WAY, LUDLOW, KY 41016-1703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2003 · Amount on Record |
| Deed Sale | Dec 30, 2003 · Amount on Record |
| Deed Document Number | 200312 30 059 00263 |
| Deed Book / Page | 2002 / 278 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 435 PINNACLE WAY, LUDLOW, KY 41016-1703 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900206 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 187/134 |
| Instrument | 21032205900206 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $300,000 (-) Building $300,000 | $300,000 (-) Building $300,000 | |
| 2025 | $3,276.00 (+0.4%) Homeowner's exemption | $300,000 (-) Building $300,000 | $300,000 (-) Building $300,000 |
| 2023 | $3,263.00 Homeowner's exemption | $300,000 Building $300,000 | $300,000 Building $300,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2024 · other causes |
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.
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 |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 95 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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