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

Kenton County property record for 446 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,956 sqft · built 1920
Lot Size	0.108 acres (4,688 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,161 (2025)
Deeds & Mortgages	Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-07-032.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-07-032.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,956 sqft Finished Area
Gross Area	2,152 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	4,688 sqft (0.108 acres)
Lot Dimensions	125 ft deep x 37.5 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	446 OAK ST
City	LUDLOW
State	KY
Zip	41016-1441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 33 & PT LOT 32 37.50'X 125'
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	33,32
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 December 2, 2025

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2012
Deed Sale	Aug 7, 2012
Deed Document Number	201208 07 059 00181
Deed Book / Page	4917 / 86
Prior Transfer Date	Jul 17, 2012
Prior Transfer Doc	0005900181
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	446 OAK ST, LUDLOW, KY 41016-1441
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900213
Date	Aug 22, 2022
Book Page	400/381
Instrument	22082205900213

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

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

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
2025	$1,161.00 (-1.44%) Homeowner's exemption	$138,000 (-) Land $10,000 Building $128,000	$138,000 (-) Land $10,000 Building $128,000
2023	$1,178.00 Homeowner's exemption	$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
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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