Kenton County property record for 5 Alberta St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,217 sqft · built 1923 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $101,000 (Jan 2021) |
| Tax Bill | $1,319 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jan 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-14-05-009.00 |
| Primary APN | 040-14-05-009.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,217 sqft Finished Area |
| Gross Area | 1,493 sqft |
| Year Built | Built 1923 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 4,356 sqft (0.1 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 0401405009.00 |
|---|---|
| Street Address | 5 ALBERTA ST |
| City | LUDLOW |
| State | KY |
| Zip | 41016-1601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FLEMMINGS LOTS 288-289 |
| Legal Subdivision | FLEMMINGS |
| Legal Lot Number | 288-289 289 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 63800 |
Source: Kenton County records, as of November 27, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 5 ALBERTA ST, LUDLOW, KY 41016-1601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2020 | Deed of Trust, Mortgage · Conventional with PMI PRIME LNDG |
| Jan 11, 2021 | Warranty Deed, Transfer · FHA Mortgage PRIME LNDG |
| Jul 23, 2019 | Grant Deed, Transfer · Conventional with PMI AMERICAN MTG SVC |
| Jul 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 11, 2021 · Amount on Record |
| Deed Sale | Jan 11, 2021 · Amount on Record |
| Prior Sale | Jul 23, 2019 · Amount on Record |
| Deed Document Number | 21011105900269 |
| Deed Book / Page | 66 / 3 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 5 ALBERTA ST, LUDLOW, KY 41016-1601 |
| Document Number | 0000000024 |
| Instrument Date | Dec 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5 ALBERTA ST BROMLEY KY 410161601, BROMLEY, KY 41016-1601 |
| Document Number | 0000000024 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 00M159/000787 |
| Instrument | 24 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 28, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 11, 2021 |
| Property Address | 5 ALBERTA ST, LUDLOW, KY 41016-1601 |
| Document Number | 0000000269 |
| Book / Page | 000066 / 000003 |
| Instrument Date | Dec 29, 2020 |
| Instrument | 269 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2021 |
| Title Company | NTC TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $101.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5 ALBERTA ST LUDLOW KY 410161601, LUDLOW, KY 41016-1601 |
| Document Number | 103 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 00M158/000777 |
| Instrument | 103 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 10, 2051 |
| Document Number | 24, |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 00M159/000787 |
| Instrument | 24 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 10, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 23, 2019 |
| Property Address | 5 ALBERTA ST, LUDLOW, KY 41016-1601 |
| Document Number | 0000000289 |
| Book / Page | 0C6711 / 000001 |
| Instrument Date | Jul 17, 2019 |
| Instrument | 289 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $78.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 ALBERTA ST LUDLOW KY 410161601, LUDLOW, KY 41016-1601 |
| Document Number | 290 |
|---|---|
| Date | Jul 23, 2019 |
| Book Page | 0C6711/000003 |
| Instrument | 290 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 22, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 5 ALBERTA ST, LUDLOW, KY 41016-1601 |
| Document Number | 0000000185 |
| Instrument Date | Jul 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 5 ALBERTA ST LUDLOW KY 410161601, LUDLOW, KY 41016-1601 |
| Document Number | 0000000185 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 0C6749/000194 |
| Instrument | 185 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | 20 W PIKE ST, COVINGTON, KY 41011-2711 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $1,319.00 (+1.54%) | $101,000 (-) Land $10,000 Building $91,000 | $101,000 (-) Land $10,000 Building $91,000 |
| 2023 | $1,299.00 | $101,000 Land $10,000 Building $91,000 | $101,000 Land $10,000 Building $91,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 471 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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