451 Pinnacle Way, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 451 Pinnacle Way, Ludlow, KY 41016

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,761 sqft · built 2005
Lot Size	0.041 acres (1,793 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Dec 2022)
Tax Bill	$5,093 (2025)
Deeds & Mortgages	Dec 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`840-20-01-009.24`

Property Details

APN / Parcel Number

Primary APN	`840-20-01-009.24`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,761 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	1,793 sqft (0.041 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	451 PINNACLE WAY
City	LUDLOW
State	KY
Zip	41016-1703
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	RIVERS BREEZE SEC 2 UNIT 9-204 & 9-G7 1793 SF WESTHAMPTON RIGHT END
Legal Subdivision	RIVERS BREEZE
Legal Phase	2
Legal Lot Number	9-204
Legal Unit	9-204
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3005
Census Tract	63800

Owner

451 Pinnacle Way, a condominium, is owned by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	492 GLENGARRY WAY, FT WRIGHT, KY 41011-1875
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	Dec 20, 2022 · Amount on File
Deed Sale	Dec 20, 2022 · Amount on File
Prior Sale	Apr 5, 2012 · Amount on File
Deed Document Number	202298
Deed Book / Page	206 / 63
Prior Transfer Date	Dec 16, 2022
Prior Transfer Doc	0005900098
Record Updated	Oct 29, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Dec 20, 2022
Property Address	451 PINNACLE WAY, LUDLOW, KY 41016-1703
Document Number	0005900098
Book / Page	206 / 63
Map Reference	MB C-1234 PG 298
Instrument Date	Dec 16, 2022
Instrument	22122005900098
Transaction Type	Transfer
Record Updated	Jan 16, 2023
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$390.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1839 HARMONY HILL DR, UNION, KY 41091-9544

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	451 PINNACLE WAY, LUDLOW, KY 41016-1703

Tax Assessment & Valuation

The 2025 property tax bill for 451 Pinnacle Way was $5,093.

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		$390,000 (-) Building $390,000	$390,000 (-) Building $390,000
2025	$5,093.00	$390,000 Building $390,000	$390,000 Building $390,000
2023	$5,019.00	$390,000 Building $390,000	$390,000 Building $390,000

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

Flood

FEMA maps place 451 Pinnacle Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2024 · other causes

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 451 Pinnacle Way 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
Adjoins Burnable Land	Yes

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 95 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
T-Mobile Fixed Wireless	100 / 20