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

Kenton County property record for 449 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,168 sqft · built 1900
Lot Size	0.072 acres (3,125 sqft)
Owner	2 Individual Names on File
Last Sale	$27,000 (Jan 1998)
Tax Bill	$730 (2025)
Deeds & Mortgages	Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-08-002.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-08-002.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,168 sqft Finished Area

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

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	449 OAK ST
City	LUDLOW
State	KY
Zip	41016-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 57 25'X 125'
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	57
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

449 Oak St is owned and occupied by two individuals who acquired it in March 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	449 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 1998 · Amount on File
Deed Sale	Jan 29, 1998 · Amount on File
Last Transfer Date	Mar 23, 2018
Transfer Doc	0005900164
Record Updated	Oct 29, 2026

April 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Apr 3, 2018
Property Address	449 OAK ST, LUDLOW, KY 41016-1440
Document Number	0000000164
Book / Page	0C6383 / 000019
Instrument Date	Mar 23, 2018
Instrument	164
Transaction Type	Mortgage
Record Updated	Apr 18, 2018
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	Husband and Wife
Address	449 OAK ST LUDLOW KY 410161440, LUDLOW, KY 41016-1440

Mortgage

Document Number	165
Date	Apr 3, 2018
Book Page	0C6383/000024
Instrument	165

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Apr 2, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 449 Oak St was $730 with a disabled person's exemption.

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		$127,600 (+21.52%) Land $15,000 Building $112,600	$127,600 (+21.52%) Land $15,000 Building $112,600
2025	$730.00 Disabled Person's exemption	$105,000 Land $10,000 Building $95,000	$105,000 Land $10,000 Building $95,000
2023	$754.00 Disabled Person's exemption	$105,000 Land $10,000 Building $95,000	$105,000 Land $10,000 Building $95,000

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

Flood

FEMA maps place 449 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 449 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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