Kenton County property record for 517 Laurel St, Ludlow, KY 41016
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 3 bd · 2.5 ba · 2,622 sqft · built 2003 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $24,000 (Sep 1997) |
| Tax Bill | $3,003 (2025) |
| Deeds & Mortgages | Dec 2020 Transfer Aug 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-05-032.00 |
| Primary APN | 026-34-05-032.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,622 sqft Finished Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 110 ft deep x 102 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 517 LAUREL ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1313 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Legal Description | LUDLOW 2ND PART LOT 387 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 387 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 66900 |
517 Laurel St, a residential property, is owned and occupied by two individuals who acquired it in December 2020.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 517 LAUREL ST, LUDLOW, KY 41016-1313 |
| 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 |
|---|---|
| Dec 21, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Aug 5, 2020 | Deed of Trust, Mortgage · Line of Credit HOME SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 1997 · Amount on File |
| Deed Sale | Sep 12, 1997 · Amount on File |
| Prior Sale | Jul 17, 1996 · Amount on File |
| Last Transfer Date | Dec 21, 2020 |
| Transfer Doc | 0005900110 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 21, 2020 |
| Property Address | 517 LAUREL ST, LUDLOW, KY 41016-1313 |
| Document Number | 0000000110 |
| Book / Page | 00KC61 / 000884 |
| Instrument Date | Dec 21, 2020 |
| Instrument | 110 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 517 LAUREL ST LUDLOW KY 410161313, LUDLOW, KY 41016-1313 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 517 LAUREL ST, LUDLOW, KY 41016-1313 |
| Document Number | 0000000227 |
| Instrument Date | Aug 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 517 LAUREL ST LUDLOW KY 410161313, LUDLOW, KY 41016-1313 |
| Document Number | 0000000227 |
|---|---|
| Date | Aug 10, 2020 |
| Book Page | 000M80/000360 |
| Instrument | 227 |
| Name | HOME SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | LUDLOW, KY 41016 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Aug 9, 2027 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 517 Laurel St was $3,003.
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 | $244,400 (+6.26%) Land $15,000 Building $229,400 | $244,400 (+6.26%) Land $15,000 Building $229,400 | |
| 2025 | $3,003.00 | $230,000 Land $10,000 Building $220,000 | $230,000 Land $10,000 Building $220,000 |
| 2023 | $2,960.00 | $230,000 Land $10,000 Building $220,000 | $230,000 Land $10,000 Building $220,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 517 Laurel St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (1997) |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, And Tornadoes |
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 517 Laurel 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.
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 719 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 |
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