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

Kenton County property record for 438 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,496 sqft · built 1920
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual Name on Record
Last Sale	$138,000 (Apr 2018)
Tax Bill	$1,802 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Apr 2018 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-07-028.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-07-028.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,496 sqft Finished Area
Gross Area	1,624 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
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
Sewer	Connected

Location & Zoning

Street Address	438 OAK ST
City	LUDLOW
State	KY
Zip	41016-1441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 37 25'X 125'
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	37
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

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	438 OAK ST, LUDLOW, KY 41016-1441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Apr 6, 2018	Warranty Deed, Transfer · FHA Mortgage UNION SVGS
Aug 14, 2017	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
Aug 14, 2017	Grant Deed, Transfer 360 AMERICAN TITLE SERVICES
Jul 13, 2017	Grant Deed, Transfer ATTORNEY ONLY
May 22, 2017	Grant Deed, Transfer ATTORNEY ONLY
Apr 14, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2018 · Amount on Record
Deed Sale	Apr 6, 2018 · Amount on Record
Prior Sale	Aug 14, 2017 · Amount on Record
Deed Document Number	201804 06 059 00086
Deed Book / Page	6385 / 146
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	438 OAK ST, LUDLOW, KY 41016-1441
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900068
Date	Jul 26, 2021
Book Page	247/149
Instrument	21072605900068

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 6, 2018
Property Address	438 OAK ST, LUDLOW, KY 41016-1441
Document Number	0000000086
Book / Page	0C6385 / 000146
Instrument Date	Apr 2, 2018
Instrument	86
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	AGILITY CLOSING AND TITLE SERVICES I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 OAK ST LUDLOW KY 410161441, LUDLOW, KY 41016-1441

Mortgage

Document Number	88
Date	Apr 6, 2018
Book Page	0C6385/000149
Instrument	88

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2048

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 14, 2017
Property Address	438 OAK ST, LUDLOW, KY 41016-1441
Document Number	0000000054
Book / Page	0C6224 / 000054
Instrument Date	Aug 10, 2017
Instrument	54
Transaction Type	Transfer
Record Updated	Aug 23, 2017
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$38.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12286 GAWES WAY WALTON KY 41094, WALTON, KY 41094

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Aug 14, 2017
Property Address	438 OAK ST, LUDLOW, KY 41016-1441
Document Number	0000000053
Book / Page	006224 / 000050
Instrument Date	Aug 9, 2017
Instrument	53
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$25.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1126 EXTER DR PARK HILLS KY 410112821, PARK HILLS, KY 41011-2821
Investor	Possibly a Property Investor

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jul 13, 2017
Property Address	438 OAK ST, LUDLOW, KY 41016-1441
Document Number	0000000152
Book / Page	006200 / 000071
Instrument Date	Jun 16, 2017
Instrument	152
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	May 22, 2017
Property Address	438 OAK ST, LUDLOW, KY 41016-1441
Document Number	0000000253
Book / Page	0C6164 / 000344
Instrument Date	Apr 28, 2017
Instrument	253
Transaction Type	Transfer
Record Updated	Jun 9, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3401 W END AVE #760W NASHVILLE TN 372031042, 760W, NASHVILLE, TN 37203-1042

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 14, 2017
Property Address	438 OAK ST, LUDLOW, KY 41016-1441
Document Number	0000000169
Book / Page	0C6136 / 000300
Instrument Date	Nov 14, 2016
Instrument	169
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$16.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3476 STATEVIEW BLVD FORT MILL SC 297157203, FORT MILL, SC 29715-7203
Investor	Possibly a Property Investor

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		$143,800 (+4.2%) Land $15,000 Building $128,800	$143,800 (+4.2%) Land $15,000 Building $128,800
2025	$1,802.00 (+1.46%)	$138,000 (-) Land $10,000 Building $128,000	$138,000 (-) Land $10,000 Building $128,000
2023	$1,776.00	$138,000 Land $10,000 Building $128,000	$138,000 Land $10,000 Building $128,000

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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