Kenton County property record for 534 Laurel St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 714 sqft · built 1922 |
| Lot Size | 0.086 acres (3,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $51,500 (Oct 2016) |
| Tax Bill | $1,240 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-06-033.00 |
| Primary APN | 026-34-06-033.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 714 sqft Finished Area |
| Gross Area | 822 sqft |
| Year Built | Built 1922 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,750 sqft (0.086 acres) |
| Lot Dimensions | 125 ft deep x 30 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0263406033.00 |
|---|---|
| Street Address | 534 LAUREL ST |
| City | LUDLOW |
| State | KY |
| Zip | 41016-1314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 378 & PT LOT 379 30'X 125' WS LAUREL |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 378,379 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 66900 |
Source: Kenton County records · APN 026-34-06-033.00
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 534 LAUREL ST, LUDLOW, KY 41016-1314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2021 | Deed of Trust, Mortgage CITY OF COVINGTON |
| Jul 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 26, 2016 · Amount on Record |
| Deed Sale | Oct 26, 2016 · Amount on Record |
| Prior Sale | Oct 26, 2016 · Amount on Record |
| Deed Document Number | 0000000003 |
| Deed Book / Page | 0C6014 / 000293 |
| Last Transfer Date | Jul 19, 2021 |
| Transfer Doc | 0005900268 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 534 LAUREL ST, LUDLOW, KY 41016-1314 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005900203 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 254/751 |
| Instrument | 21081105900203 |
| Name | CITY OF COVINGTON |
|---|---|
| Type | Government Agency |
| Address | COVINGTON, KY 41011 |
| Amount | Amount Recorded |
|---|---|
| Term | 58 Months |
| Due | Jun 16, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 19, 2021 |
| Property Address | 534 LAUREL ST, LUDLOW, KY 41016-1314 |
| Document Number | 0005900268 |
| Book / Page | 104 / 389 |
| Map Reference | PL 430 |
| Instrument Date | Jul 09, 2021 |
| Instrument | 21071905900268 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 2 CHETER ST, WILDER, KY 41071 |
| Name | Verified Name |
|---|---|
| Address | 534 LAUREL ST, LUDLOW, KY 41016-1314 |
| Document Number | 0005900269 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 243/663 |
| Instrument | 21071905900269 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,240.00 (+1.47%) | $95,000 (-) Land $10,000 Building $85,000 | $95,000 (-) Land $10,000 Building $85,000 |
| 2023 | $1,222.00 | $95,000 Land $10,000 Building $85,000 | $95,000 Land $10,000 Building $85,000 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 719 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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