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

Kenton County property record for 538 Laurel St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,454 sqft · built 1935
Lot Size	0.083 acres (3,600 sqft)
Owner	Individual Name on Record
Last Sale	$182,450 (Nov 2021)
Tax Bill	$2,382 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Nov 2021 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-06-035.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-06-035.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,454 sqft Finished Area
Gross Area	1,638 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,600 sqft (0.083 acres)
Lot Dimensions	120 ft deep x 30 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	538 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 380-381 30'X 120' WS LAUREL
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	380,38
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4011
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	Individual Name on Record
Mailing Address	538 LAUREL ST, LUDLOW, KY 41016-1314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Warranty Deed, Transfer · Conventional Mortgage VICTORY MORTGAGE LLC
Nov 5, 2021	Warranty Deed, Transfer HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA
May 24, 2019	Warranty Deed, Transfer · Conventional with PMI FIFTH THIRD BK
Dec 14, 2018	Deed of Trust, Mortgage · Line of Credit HOME SVGS BK
Feb 28, 2017	Quit Claim Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2021 · Amount on Record
Deed Sale	Nov 5, 2021 · Amount on Record
Prior Sale	Nov 5, 2021 · Amount on Record
Deed Document Number	20215900078
Deed Book / Page	129 / 222
Prior Transfer Date	Feb 23, 2017
Prior Transfer Doc	0000000152
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 5, 2021
Property Address	538 LAUREL ST, LUDLOW, KY 41016-1314
Document Number	0005900078
Book / Page	129 / 222
Map Reference	PL 430
Instrument Date	Sep 28, 2021
Instrument	21110505900078
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	HOMESTEAD TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$182.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 OAK TREE BLVD STE 300, 6200, INDEPENDENCE, OH 44131-6934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 LAUREL ST, LUDLOW, KY 41016-1314

Mortgage

Document Number	0005900079
Date	Nov 5, 2021
Book Page	297/207
Instrument	21110505900079

Lender

Name	VICTORY MORTGAGE LLC
Type	Mortgage Company
Address	ERLANGER, KY 41018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 5, 2021
Property Address	538 LAUREL ST, LUDLOW, KY 41016-1314
Document Number	0005900077
Book / Page	129 / 218
Map Reference	PL 430
Instrument Date	Sep 16, 2021
Instrument	21110505900077
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$182.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	538 LAUREL ST, 538, LUDLOW, KY 41016-1314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6200 OAK TREE BLVD STE 300, 300, INDEPENDENCE, OH 44131-6934

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	538 LAUREL ST, LUDLOW, KY 41016-1314
Document Number	0000000369
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 LAUREL ST LUDLOW KY 410161314, LUDLOW, KY 41016-1314

Mortgage

Document Number	0000000369
Date	Nov 17, 2020
Book Page	00M128/000274
Instrument	369

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 16, 2040

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 24, 2019
Property Address	538 LAUREL ST, LUDLOW, KY 41016-1314
Document Number	0000000249
Book / Page	0C6666 / 000341
Instrument Date	May 21, 2019
Instrument	249
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 LAUREL ST LUDLOW KY 410161314, LUDLOW, KY 41016-1314

Mortgage

Document Number	250
Date	May 24, 2019
Book Page	0C6666/000344
Instrument	250

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	538 LAUREL ST, LUDLOW, KY 41016-1314
Document Number	0000000166
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 LAUREL ST LUDLOW KY 410161314, LUDLOW, KY 41016-1314

Mortgage

Document Number	0000000166
Date	Dec 21, 2018
Book Page	0C6569/000085
Instrument	166

Lender

Name	HOME SVGS BK
Type	Federal Savings Bank
Address	LUDLOW, KY 41016

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Dec 20, 2025

Interest

Rate Type	Adjustable Rate

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Feb 28, 2017
Property Address	538 LAUREL ST, LUDLOW, KY 41016-1314
Document Number	0000000152
Book / Page	0C6104 / 000288
Instrument Date	Feb 23, 2017
Instrument	152
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$19.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 LAUREL ST LUDLOW KY 410161314, LUDLOW, KY 41016-1314

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		$182,400 (-) Land $15,000 Building $167,400	$182,400 (-) Land $15,000 Building $167,400
2025	$2,382.00 (+1.49%)	$182,400 (-) Land $10,000 Building $172,400	$182,400 (-) Land $10,000 Building $172,400
2023	$2,347.00	$182,400 Land $10,000 Building $172,400	$182,400 Land $10,000 Building $172,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 5 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 9 claims

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

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

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

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Laurel St

Nearby Streets

Search Property Records by Address or Parcel Number