Kenton County property record for 546 Laurel St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 841 sqft · built 1920 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $90,000 (Jan 2021) |
| Tax Bill | $1,175 (2025) |
| Deeds & Mortgages | Jan 2021 Sale Dec 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-06-038.00 |
| Primary APN | 026-34-06-038.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 841 sqft Finished Area |
| Gross Area | 871 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 120 ft deep x 35 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 546 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 384-385 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 384,38 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 66900 |
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 | 546 LAUREL ST, LUDLOW, KY 41016-1314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 4, 2021 | Warranty Deed, Transfer NOT AVAILABLE |
| Dec 21, 2019 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2021 · Amount on Record |
| Deed Sale | Jan 4, 2021 · Amount on Record |
| Deed Document Number | 202142546 |
| Deed Book / Page | 63 / 998 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 4, 2021 |
| Property Address | 546 LAUREL ST, LUDLOW, KY 41016-1314 |
| Document Number | 0000000324 |
| Book / Page | 000063 / 000998 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 324 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $90.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 546 LAUREL ST LUDLOW KY 410161314, LUDLOW, KY 41016-1314 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 546 LAUREL ST, LUDLOW, KY 41016-1314 |
| Document Number | 0000000132 |
| Instrument Date | Dec 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10878 LOWER RIVER RD UNION KY 410919757, UNION, KY 41091-9757 |
| Document Number | 0000000132 |
|---|---|
| Date | Jan 17, 2020 |
| Book Page | 0000M4/000720 |
| Instrument | 132 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 16, 2050 |
| Rate Type | Adjustable Rate |
|---|
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 | $127,700 (+41.89%) Land $15,000 Building $112,700 | $127,700 (+41.89%) Land $15,000 Building $112,700 | |
| 2025 | $1,175.00 (+1.47%) | $90,000 (-) Land $10,000 Building $80,000 | $90,000 (-) Land $10,000 Building $80,000 |
| 2023 | $1,158.00 | $90,000 Land $10,000 Building $80,000 | $90,000 Land $10,000 Building $80,000 |
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 |
| 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 |
|
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 |
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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