Kenton County property record for 526 Laurel St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 799 sqft · built 1935 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Company Name on Record |
| Last Sale | $70,000 (Aug 2023) |
| Tax Bill | $2,361 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Aug 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-06-029.00 |
| Primary APN | 026-34-06-029.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 799 sqft Finished Area |
| Gross Area | 932 sqft |
| Year Built | Built 1935 |
|---|---|
| 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 | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0263406029.00 |
|---|---|
| Street Address | 526 LAUREL ST |
| City | LUDLOW |
| State | KY |
| Zip | 41016-1314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART PT LOT 373-374 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 373,37 374 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 66900 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 1418 CHESAPEAKE ST, COVINGTON, KY 41011-3355 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Nov 13, 2023 | Deed of Trust, Mortgage · Commercial Mortgage HERITAGE BANK INC |
| Aug 2, 2023 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2023 · Amount on Record |
| Deed Sale | Aug 2, 2023 · Amount on Record |
| Deed Document Number | 0000239449 |
| Deed Book / Page | 239 / 449 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 526 LAUREL ST, LUDLOW, KY 41016-1314 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1418 CHESAPEAKE ST, COVINGTON, KY 41011-3355 |
| Document Number | 0005900114 |
|---|---|
| Date | Nov 13, 2023 |
| Book Page | KCM 506/622 |
| Instrument | 23111305900114 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | ERLANGER, KY 41018 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 8, 2033 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 2, 2023 |
| Property Address | 526 LAUREL ST, LUDLOW, KY 41016-1314 |
| Document Number | 0005900162 |
| Book / Page | KC 239 / 449 |
| Map Reference | PL 430 |
| Instrument Date | Jul 26, 2023 |
| Instrument | 23080205900162 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2150 BIG ANDY RDG, ROGERS, KY 41365-8404 |
| Name | Verified Name |
|---|---|
| Address | 1418 CHESAPEAKE ST, COVINGTON, KY 41011-3355 |
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 | $2,361.00 (+66.86%) | $180,800 (+64.36%) Land $10,000 Building $170,800 | $180,800 (+64.36%) Land $10,000 Building $170,800 |
| 2023 | $1,415.00 (+0.86%) | $110,000 (-) Land $10,000 Building $100,000 | $110,000 (-) Land $10,000 Building $100,000 |
| 2022 | $1,403.00 | $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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