44 Kenner St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 44 Kenner St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,992 sqft · built 1915
Lot Size	0.096 acres (4,200 sqft)
Owner	Individual Name on Record
Last Sale	$358,000 (Oct 2024)
Tax Bill	$4,675 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`026-33-03-005.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-03-005.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,992 sqft Finished Area
Gross Area	2,474 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	4,200 sqft (0.096 acres)
Lot Dimensions	120 ft deep x 35 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	44 KENNER ST
City	LUDLOW
State	KY
Zip	41016-1455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JENKINS CENTER 25' LOT 3 35'X 120' WS KENNER
Legal Subdivision	JENKINS
Legal Lot Number	3
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3002
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	44 KENNER ST, LUDLOW, KY 41016-1455
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2024	Warranty Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE LLC
Jun 16, 2022	Warranty Deed, Transfer · Conventional Mortgage VICTORY MORTGAGE LLC
Apr 8, 2021	Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 9, 2019	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY
Jan 14, 2019	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2024 · Amount on Record
Deed Sale	Oct 30, 2024 · Amount on Record
Prior Sale	Jun 16, 2022 · Amount on Record
Deed Document Number	2024109
Deed Book / Page	312 / 138
Record Updated	Oct 29, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 30, 2024
Property Address	44 KENNER ST, LUDLOW, KY 41016-1455
Document Number	0005900109
Book / Page	KC 312 / 138
Instrument Date	Oct 25, 2024
Instrument	24103005900109
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount Recorded
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	10036 SKYRIDGE DR, CINCINNATI, OH 45252-2130

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 KENNER ST, LUDLOW, KY 41016-1455
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900110
Date	Oct 30, 2024
Instrument	24103005900110

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 16, 2022
Property Address	44 KENNER ST, LUDLOW, KY 41016-1455
Document Number	0005900283
Book / Page	171 / 620
Map Reference	PL 343
Instrument Date	Jun 10, 2022
Instrument	22061605900283
Transaction Type	Transfer
Record Updated	Jun 30, 2022
Title Company	HOMESTEAD TITLE AGENCY LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9424 S VIA BANDERA, 9424, VAIL, AZ 85641-2159

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	44 KENNER ST, LUDLOW, KY 41016-1455

Mortgage

Document Number	0005900284
Date	Jun 16, 2022
Book Page	380/637
Instrument	22061605900284

Lender

Name	VICTORY MORTGAGE LLC
Type	Mortgage Company
Address	ERLANGER, KY 41018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Apr 8, 2021
Property Address	44 KENNER ST, LUDLOW, KY 41016-1455
Document Number	0005900053
Book / Page	83 / 79
Map Reference	MB C-6748 PG 272
Instrument Date	Apr 5, 2021
Instrument	21040805900053
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	MATTINGLY FORD TTL 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	624 OAK ST, 624, LUDLOW, KY 41016-1320

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	44 KENNER ST, LUDLOW, KY 41016-1455

Mortgage

Document Number	0005900054
Date	Apr 8, 2021
Book Page	197/659
Instrument	21040805900054

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Sep 9, 2019
Property Address	44 KENNER ST, LUDLOW, KY 41016-1455
Document Number	0000000319
Book / Page	0C6748 / 000272
Instrument Date	Sep 5, 2019
Instrument	319
Transaction Type	Transfer
Record Updated	Sep 23, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$74.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	K 624 OAK ST LUDLOW KY 41016, LUDLOW, KY 41016

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jan 14, 2019
Property Address	44 KENNER ST, LUDLOW, KY 41016-1455
Document Number	0000000056
Book / Page	0C6581 / 000095
Instrument Date	Jan 10, 2019
Instrument	56
Transaction Type	Transfer
Record Updated	Apr 25, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$60.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 886 BURLINGTON KY 410050886, BURLINGTON, KY 41005-0886

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		$358,000 (-) Land $15,000 Building $343,000	$358,000 (-) Land $15,000 Building $343,000
2025	$4,675.00 (+15.32%)	$358,000 (+13.65%) Land $10,000 Building $348,000	$358,000 (+13.65%) Land $10,000 Building $348,000
2023	$4,054.00	$315,000 Land $10,000 Building $305,000	$315,000 Land $10,000 Building $305,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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