539 Oak St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 539 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 777 sqft · built 1910
Lot Size	0.086 acres (3,750 sqft)
Owner	2 Individual Names on File
Last Sale	$32,000 (Sep 2020)
Tax Bill	$1,306 (2025)
Deeds & Mortgages	Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`026-32-06-005.00`

Property Details

APN / Parcel Number

Primary APN	`026-32-06-005.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	777 sqft Finished Area
Gross Area	1,050 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,750 sqft (0.086 acres)
Lot Dimensions	125 ft deep x 30 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	539 OAK ST
City	LUDLOW
State	KY
Zip	41016-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 145 & N 5' LOT 146 30'X 125'
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	145,146
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4006
Census Tract	66900

Owner

539 Oak St is owned by two individuals who bought it in September 2020.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 16100, COVINGTON, KY 41016-0100
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2020 · Amount on File
Deed Sale	Sep 4, 2020 · Amount on File
Deed Document Number	20205900072
Deed Book / Page	41 / 643
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 4, 2020
Property Address	539 OAK ST, LUDLOW, KY 41016-1317
Document Number	0000000072
Book / Page	000041 / 000643
Instrument Date	Aug 28, 2020
Instrument	72
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	TERRY MONNIE TITLE COMPANY, TERRY MONNIE TITLE CO

Transaction

Amount	Amount on Record
Tax	$32.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 16110 COVINGTON KY 410160110, COVINGTON, KY 41016-0110

Tax Assessment & Valuation

The 2025 property tax bill for 539 Oak St was $1,306.

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		$115,200 (+15.2%) Land $15,000 Building $100,200	$115,200 (+15.2%) Land $15,000 Building $100,200
2025	$1,306.00	$100,000 Land $10,000 Building $90,000	$100,000 Land $10,000 Building $90,000
2023	$1,287.00	$100,000 Land $10,000 Building $90,000	$100,000 Land $10,000 Building $90,000

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

Flood

FEMA maps place 539 Oak St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 539 Oak St is low, with a 0.01% annual chance of 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