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

Kenton County property record for 441 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,080 sqft · built 1900
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Sep 2019)
Tax Bill	$2,416 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-08-006.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-08-006.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,080 sqft Finished Area
Gross Area	2,575 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	441 OAK ST
City	LUDLOW
State	KY
Zip	41016-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 53
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	53
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	2 Individual Names on Record
Mailing Address	441 OAK ST, LUDLOW, KY 41016-1440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2019	Warranty Deed, Transfer UNITED WHOLESALE MTG
Mar 20, 2018	Grant Deed, Transfer · FHA Mortgage FIFTH THIRD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2019 · Amount on Record
Deed Sale	Sep 17, 2019 · Amount on Record
Prior Sale	Mar 20, 2018 · Amount on Record
Deed Document Number	201909 17 059 00274
Deed Book / Page	6755 / 264
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 17, 2019
Property Address	441 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000274
Book / Page	0C6755 / 000264
Instrument Date	Sep 13, 2019
Instrument	274
Transaction Type	Transfer
Record Updated	Sep 30, 2019
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	441 OAK ST LUDLOW KY 410161440, LUDLOW, KY 41016-1440

Mortgage

Document Number	275
Date	Sep 17, 2019
Book Page	0C6755/000267
Instrument	275

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2049

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 20, 2018
Property Address	441 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000248
Book / Page	0C6374 / 000016
Instrument Date	Mar 19, 2018
Instrument	248
Transaction Type	Transfer
Record Updated	Apr 12, 2018
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$149.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 OAK ST LUDLOW KY 410161440, LUDLOW, KY 41016-1440

Mortgage

Document Number	249
Date	Mar 20, 2018
Book Page	0C6374/000019
Instrument	249

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2048

Mortgage

Document Number	250,
Date	Mar 20, 2018
Book Page	0C6374/000035
Instrument	250

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 19, 2028

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		$223,600 (+20.86%) Land $15,000 Building $208,600	$223,600 (+20.86%) Land $15,000 Building $208,600
2025	$2,416.00 (+1.51%)	$185,000 (-) Land $10,000 Building $175,000	$185,000 (-) Land $10,000 Building $175,000
2023	$2,380.00	$185,000 Land $10,000 Building $175,000	$185,000 Land $10,000 Building $175,000

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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