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

Kenton County property record for 45 Kenner St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,917 sqft · built 1890
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Sep 2018)
Tax Bill	$2,742 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-33-08-015.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-08-015.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,917 sqft Finished Area
Gross Area	3,258 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Material	Slate
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	45 KENNER ST
City	LUDLOW
State	KY
Zip	41016-1453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNER GEO R PT LOT 33
Legal Subdivision	KENNER GEO R
Legal Lot Number	33
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3001
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

45 Kenner St is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 KENNER ST, LUDLOW, KY 41016-1453
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
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 2, 2021	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO
Sep 26, 2018	Warranty Deed, Transfer · Conventional with PMI GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2018 · Amount on File
Deed Sale	Sep 26, 2018 · Amount on File
Prior Sale	Jul 3, 2002 · Amount on File
Deed Document Number	201809 26 059 00080
Deed Book / Page	6509 / 266
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	45 KENNER ST, LUDLOW, KY 41016-1453
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900098
Date	Apr 26, 2021
Book Page	207/342
Instrument	21042605900098

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	45 KENNER ST, LUDLOW, KY 41016-1453
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 KENNER ST, LUDLOW, KY 41016-1453

Mortgage

Document Number	0005900114
Date	Aug 2, 2021
Book Page	250/632
Instrument	21080205900114

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 26, 2018
Property Address	45 KENNER ST, LUDLOW, KY 41016-1453
Document Number	0000000080
Book / Page	0C6509 / 000266
Instrument Date	Sep 10, 2018
Instrument	80
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 KENNER ST LUDLOW KY 410161453, LUDLOW, KY 41016-1453

Mortgage

Document Number	81
Date	Sep 26, 2018
Book Page	0C6509/000269
Instrument	81

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 45 Kenner 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		$259,600 (+23.62%) Land $15,000 Building $244,600	$259,600 (+23.62%) Land $15,000 Building $244,600
2025	$2,742.00	$210,000 Land $10,000 Building $200,000	$210,000 Land $10,000 Building $200,000
2023	$2,702.00	$210,000 Land $10,000 Building $200,000	$210,000 Land $10,000 Building $200,000

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

Flood

FEMA maps place 45 Kenner St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 45 Kenner 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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