Kenton County property record for 537 Laurel St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 891 sqft · built 1940 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Apr 2024) |
| Tax Bill | $1,306 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Jul 2018 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-05-023.00 |
| Primary APN | 026-34-05-023.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 891 sqft Finished Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,920 sqft (0.09 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 537 LAUREL ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART PT LOTS 399-400 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 399,40 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 66900 |
Source: Kenton County records, as of December 2, 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 Record |
|---|---|
| Mailing Address | 537 LAUREL ST, LUDLOW, KY 41016-1313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Dec 23, 2020 | Quit Claim Deed, Transfer HOME SVGS BK |
| Jul 20, 2018 | Loan Modification, Mortgage · Conventional Mortgage HOME SVGS BK |
| Aug 22, 2017 | Warranty Deed, Transfer · Conventional with PMI HOME SVGS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 16, 2024 · Amount on Record |
| Deed Sale | Apr 16, 2024 · Amount on Record |
| Prior Sale | Dec 23, 2020 · Amount on Record |
| Deed Document Number | 202451 |
| Deed Book / Page | 279 / 660 |
| Prior Transfer Date | Apr 12, 2024 |
| Prior Transfer Doc | 0005900051 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 23, 2020 |
| Property Address | 537 LAUREL ST, LUDLOW, KY 41016-1313 |
| Document Number | 0000000141 |
| Book / Page | 000062 / 000443 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 141 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 537 LAUREL ST LUDLOW KY 410161313, LUDLOW, KY 41016-1313 |
| Document Number | 142 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 00M145/000304 |
| Instrument | 142 |
| Name | HOME SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | LUDLOW, KY 41016 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 22, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 537 LAUREL ST, LUDLOW, KY 41016-1313 |
| Document Number | 0000000073 |
| Instrument Date | Jul 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 537 LAUREL ST LUDLOW KY 410161313, LUDLOW, KY 41016-1313 |
| Document Number | 0000000073 |
|---|---|
| Date | Aug 3, 2018 |
| Book Page | 0C6469/000217 |
| Instrument | 73 |
| Name | HOME SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 2, 2048 |
| Rate | 5.5% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 22, 2017 |
| Property Address | 537 LAUREL ST, LUDLOW, KY 41016-1313 |
| Document Number | 0000000102 |
| Book / Page | 006229 / 000290 |
| Instrument Date | Aug 18, 2017 |
| Instrument | 102 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $60.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 537 LAUREL ST LUDLOW KY 410161313, LUDLOW, KY 41016-1313 |
| Document Number | 103 |
|---|---|
| Date | Aug 22, 2017 |
| Book Page | 006229/000294 |
| Instrument | 103 |
| Name | HOME SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | LUDLOW, KY 41016 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2047 |
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 |
|---|---|---|---|
| 2025 | $1,306.00 (+6.87%) | $100,000 (+5.26%) Land $10,000 Building $90,000 | $100,000 (+5.26%) Land $10,000 Building $90,000 |
| 2023 | $1,222.00 | $95,000 Land $10,000 Building $85,000 | $95,000 Land $10,000 Building $85,000 |
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 |
| 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.
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.
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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