Kenton County property record for 544 Oak St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,642 sqft · built 1885 |
| Lot Size | 0.083 acres (3,625 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $274,900 (Sep 2026) |
| Tax Bill | $860 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-32-05-016.00 |
| Primary APN | 026-32-05-016.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,642 sqft Finished Area |
| Gross Area | 1,950 sqft |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1885 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,625 sqft (0.083 acres) |
| Lot Dimensions | 125 ft deep x 29 ft wide |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 544 OAK ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 104 & 4' LOT 5 29'X 125' |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 104,105 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 66900 |
544 Oak St is owned and occupied by two individuals who bought it in September 2026.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 544 OAK ST, LUDLOW, KY 41016-1318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage TRUST COMPANY |
| Jun 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2026 · Amount on File |
| Deed Sale | Sep 1, 2026 · Amount on File |
| Prior Sale | May 14, 2004 · Amount on File |
| Deed Document Number | 202620005 |
| Deed Book / Page | 491 / 144 |
| Prior Transfer Date | Dec 10, 2004 |
| Prior Transfer Doc | 1216059001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 1, 2026 |
| Property Address | 544 OAK ST, LUDLOW, KY 41016-1318 |
| Document Number | 0000020005 |
| Book / Page | 491 / 144 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 202620005 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27,764.90 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 544 OAK ST, LUDLOW, KY 41016-1318 |
| Document Number | 0000020238, |
|---|---|
| Date | Sep 1, 2026 |
| Instrument | 2026090220238 |
| Name | TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000020239, |
|---|---|
| Date | Sep 2, 2026 |
| Book Page | 492/778 |
| Instrument | 202620239 |
| Name | TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 544 OAK ST, LUDLOW, KY 41016-1318 |
| Document Number | 0000000098 |
| Instrument Date | Jun 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 544 OAK ST LUDLOW KY 410161318, LUDLOW, KY 41016-1318 |
| Document Number | 0000000098 |
|---|---|
| Date | Jul 18, 2018 |
| Book Page | 0C6454/000283 |
| Instrument | 98 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 17, 2048 |
The 2025 property tax bill for 544 Oak St was $860 with a homeowner's exemption.
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 |
|---|---|---|---|
| 2026 | $162,500 (+41.3%) Land $15,000 Building $147,500 | $162,500 (+41.3%) Land $15,000 Building $147,500 | |
| 2025 | $860.00 Homeowner's exemption | $115,000 Land $10,000 Building $105,000 | $115,000 Land $10,000 Building $105,000 |
| 2023 | $882.00 Homeowner's exemption | $115,000 Land $10,000 Building $105,000 | $115,000 Land $10,000 Building $105,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 544 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 |
|
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 risk around 544 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.
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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