535 Laurel St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 535 Laurel St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,199 sqft · built 1940
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$196,000 (Oct 2025)
Tax Bill	$599 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-05-024.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-05-024.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,199 sqft Finished Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	535 LAUREL ST
City	LUDLOW
State	KY
Zip	41016-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 398 & PT 397-399
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Phase	9
Legal Lot Number	398,397
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2010
Census Tract	66900

Owner

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	535 LAUREL ST, LUDLOW, KY 41016-1313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Deed Document Number	2025223
Deed Book / Page	369 / 309
Prior Transfer Date	Jun 26, 2024
Prior Transfer Doc	0005900134
Record Updated	Oct 29, 2026

October 2025: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	KENTON KY
Recording Date	Oct 16, 2025
Property Address	535 LAUREL ST, LUDLOW, KY 41016-1313
Document Number	0005900223
Book / Page	KC 369 / 309
Instrument Date	Oct 8, 2025
Instrument	25101605900223
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMER HOMELAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 PIKE ST UNIT 611, 611, CINCINNATI, OH 45202-4216

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	535 LAUREL ST, LUDLOW, KY 41016-1313

Mortgage

Document Number	0005900224
Date	Oct 16, 2025
Instrument	25101605900224

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Ludlow City
Unified School District	Ludlow Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$196,000 (+106.32%) Land $15,000 Building $181,000	$196,000 (+106.32%) Land $15,000 Building $181,000
2025	$599.00 (-5.22%) Homeowner's exemption	$95,000 (-) Land $10,000 Building $85,000	$95,000 (-) Land $10,000 Building $85,000
2024	$632.00 (+1.12%) Homeowner's exemption	$95,000 (-) Land $10,000 Building $85,000	$95,000 (-) Land $10,000 Building $85,000
2023	$625.00 Homeowner's exemption	$95,000 Land $10,000 Building $85,000	$95,000 Land $10,000 Building $85,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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