Kenton County property record for 524 Laurel St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 946 sqft · built 1928 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,436 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Oct 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-06-028.00 |
| Primary APN | 026-34-06-028.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 946 sqft Finished Area |
| Gross Area | 1,274 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 120 ft deep x 30 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 524 LAUREL ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART PT LOTS 372-373 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 372,37 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 66900 |
Source: Kenton County records, as of October 20, 2026
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 |
|---|---|
| Mailing Address | 524 LAUREL ST, LUDLOW, KY 41016-1314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK |
| Oct 24, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/N KY |
| Oct 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 524 LAUREL ST, LUDLOW, KY 41016-1314 |
| Document Number | 0000000131 |
| Instrument Date | Jan 22, 2021 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 524 LAUREL ST LUDLOW KY 410161314, LUDLOW, KY 41016-1314 |
| Document Number | 0000000131 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 00M160/000140 |
| Instrument | 131 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 28, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 524 LAUREL ST, LUDLOW, KY 41016-1314 |
| Document Number | 0000000342 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2019 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 524 LAUREL ST LUDLOW KY 410161314, LUDLOW, KY 41016-1314 |
| Document Number | 0000000342 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 0C6810/000294 |
| Instrument | 342 |
| Name | FIFTH THIRD BK/N KY |
|---|---|
| Type | Bank |
| Address | 5050 KINGSLEY DR, CINCINNATI, OH 45227-1115 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 24, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 524 LAUREL ST, LUDLOW, KY 41016-1314 |
| Document Number | 0000000217 |
| Book / Page | 0C6271 / 000308 |
| Instrument Date | Oct 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2017 |
| Title Company | STERLING LAND TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 524 LAUREL ST LUDLOW KY 410161314, LUDLOW, KY 41016-1314 |
| Document Number | 0000000217 |
|---|---|
| Date | Oct 13, 2017 |
| Book Page | 0C6271/000308 |
| Instrument | 217 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 12, 2027 |
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 | $158,600 (+44.18%) Land $15,000 Building $143,600 | $158,600 (+44.18%) Land $15,000 Building $143,600 | |
| 2025 | $1,436.00 (+1.48%) | $110,000 (-) Land $10,000 Building $100,000 | $110,000 (-) Land $10,000 Building $100,000 |
| 2023 | $1,415.00 | $110,000 Land $10,000 Building $100,000 | $110,000 Land $10,000 Building $100,000 |
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 · 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 |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 26 (1978–2025) |
| Claims Outside the SFHA | 1 of 26 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
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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