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

Kenton County property record for 445 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,537 sqft · built 1900
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Feb 2024)
Tax Bill	$2,742 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Nov 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-08-004.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-08-004.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,537 sqft Finished Area
Gross Area	1,777 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
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	445 OAK ST
City	LUDLOW
State	KY
Zip	41016-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 55 25'X 125'
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	55
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

445 Oak St is owned and occupied by an individual who bought it in February 2024.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	445 OAK ST, LUDLOW, KY 41016-1440
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Nov 15, 2023	Warranty Deed, Transfer · Commercial Mortgage SBK PROPERTIES LLC
Jan 30, 2019	Grant Deed, Transfer VYLLA TITLE LLC
Jan 30, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 29, 2018	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2024 · Amount on File
Deed Sale	Feb 2, 2024 · Amount on File
Prior Sale	Nov 15, 2023 · Amount on File
Deed Document Number	2024138
Deed Book / Page	268 / 27
Prior Transfer Date	Jul 25, 2023
Prior Transfer Doc	0000000336
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 2, 2024
Property Address	445 OAK ST, LUDLOW, KY 41016-1440
Document Number	0005900138
Book / Page	KC 268 / 27
Map Reference	MB 21 PG 593
Instrument Date	Jan 29, 2024
Instrument	24020205900138
Transaction Type	Transfer
Record Updated	Feb 19, 2024
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 480, HEBRON, KY 41048-0480

Mortgage

Document Number	0005900139
Date	Feb 2, 2024
Instrument	24020205900139

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 15, 2023
Property Address	445 OAK ST, LUDLOW, KY 41016-1440
Document Number	0005900238
Book / Page	KC 257 / 183
Map Reference	MB 21 PG 593
Instrument Date	Oct 31, 2023
Instrument	23111505900238
Transaction Type	Transfer
Record Updated	Dec 21, 2023

Transaction

Amount	Amount on Record
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	587 CALLE LUNA LN, WALTON, KY 41094-9523

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1470 DIXIE HWY STE C, C, PARK HILLS, KY 41011-3097
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900239
Date	Nov 15, 2023
Book Page	KCM 507/373
Instrument	23111505900239

Lender

Name	SBK PROPERTIES LLC
Type	Non-Lending Institution
Address	COVINGTON, KY 41011

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	6 Months
Due	Apr 30, 2024

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jan 30, 2019
Property Address	445 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000132
Book / Page	0C6591 / 000293
Instrument Date	Nov 27, 2018
Instrument	132
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	VYLLA TITLE LLC

Transaction

Amount	Amount on Record
Tax	$47.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 OAK ST LUDLOW KY 410161440, LUDLOW, KY 41016-1440

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jan 30, 2019
Property Address	445 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000131
Book / Page	0C6591 / 000288
Instrument Date	Apr 14, 2018
Instrument	131
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1600 S DOUGLASS RD ANAHEIM CA 928065948, ANAHEIM, CA 92806-5948

March 2018: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	KENTON KY
Recording Date	Mar 29, 2018
Property Address	445 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000163
Book / Page	0C6379 / 000230
Instrument Date	Feb 22, 2018
Instrument	163
Transaction Type	Foreclosure
Record Updated	Apr 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	333 S ANITA DR #400 ORANGE CA 928683314, 400, ORANGE, CA 92868-3314

Tax Assessment & Valuation

The 2025 property tax bill for 445 Oak St was $2,742.

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		$210,000 (-) Land $15,000 Building $195,000	$210,000 (-) Land $15,000 Building $195,000
2025	$2,742.00	$210,000 Land $10,000 Building $200,000	$210,000 Land $10,000 Building $200,000
2023	$818.00 (-7.67%) Disabled Person's exemption	$110,000 (-) Land $10,000 Building $100,000	$110,000 (-) Land $10,000 Building $100,000
2022	$886.00 Disabled Person's exemption	$110,000 Land $10,000 Building $100,000	$110,000 Land $10,000 Building $100,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 445 Oak St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1997.

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 File 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

Wildfire risk around 445 Oak St is low, with a 0.01% annual chance of 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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