Kenton County property record for 463 Pinnacle Way, Ludlow, KY 41016
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2.5 ba · 2,227 sqft · built 2004 |
| Lot Size | 0.051 acres (2,227 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $306,000 (Dec 2017) |
| Tax Bill | $4,113 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Dec 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 840-20-01-009.31 |
| Primary APN | 840-20-01-009.31 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,227 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 2,227 sqft (0.051 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 463 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 9-301 2227 SF PENNINGTON UPPER LEFT END |
| Legal Subdivision | RIVERS BREEZE |
| Legal Phase | 2 |
| Legal Lot Number | 9-301 |
| Legal Unit | 9-301 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 63800 |
463 Pinnacle Way, a condominium, is owned and occupied by two individuals who bought it in December 2017.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 463 PINNACLE WAY, LUDLOW, KY 41016-1703 |
| 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.
| Date | Document |
|---|---|
| Oct 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK |
| Dec 7, 2017 | Warranty Deed, Transfer · Conventional with PMI GUARDIAN SVGS BK |
| Aug 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ASHLAND CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2017 · Amount on File |
| Deed Sale | Dec 7, 2017 · Amount on File |
| Prior Sale | Sep 30, 2004 · Amount on File |
| Deed Document Number | 201712 07 059 00201 |
| Deed Book / Page | 6311 / 301 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 463 PINNACLE WAY, LUDLOW, KY 41016-1703 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900121 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 285/337 |
| Instrument | 21101405900121 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 7, 2017 |
| Property Address | 463 PINNACLE WAY, LUDLOW, KY 41016-1703 |
| Document Number | 0000000201 |
| Book / Page | 0C6311 / 000301 |
| Instrument Date | Dec 6, 2017 |
| Instrument | 201 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $306.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 463 PINNACLE WAY LUDLOW KY 410161703, LUDLOW, KY 41016-1703 |
| Document Number | 202 |
|---|---|
| Date | Dec 7, 2017 |
| Book Page | 0C6311/000305 |
| Instrument | 202 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 6, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 463 PINNACLE WAY, LUDLOW, KY 41016-1703 |
| Document Number | 0000000213 |
| Book / Page | 0C6243 / 000049 |
| Instrument Date | Aug 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 839 WHITEWOOD CT VILLA HILLS KY 410171481, VILLA HILLS, KY 41017-1481 |
| Document Number | 0000000213 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 0C6243/000049 |
| Instrument | 213 |
| Name | ASHLAND CU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48501-2026 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 6, 2042 |
The 2025 property tax bill for 463 Pinnacle Way was $4,113.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $315,400 (+0.13%) Building $315,400 | $315,400 (+0.13%) Building $315,400 | |
| 2025 | $4,113.00 | $315,000 Building $315,000 | $315,000 Building $315,000 |
| 2023 | $4,054.00 | $315,000 Building $315,000 | $315,000 Building $315,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 463 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 risk around 463 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.
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 |
| 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.
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 |
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