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

Kenton County property record for 546 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 608 sqft · built 1910
Lot Size	0.086 acres (3,750 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Feb 2021)
Tax Bill	$1,306 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-32-05-017.00`

Property Details

APN / Parcel Number

Primary APN	`026-32-05-017.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	608 sqft Finished Area
Gross Area	840 sqft

Exterior

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

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	546 OAK ST
City	LUDLOW
State	KY
Zip	41016-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 103 & NE 5' LOT 102 30'X 125'
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	103,102
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4005
Census Tract	66900

Owner

546 Oak St is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	546 OAK ST, LUDLOW, KY 41016-1318
Occupancy	Owner Occupied
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	Name on Deed
Last Sale	Feb 18, 2021 · Amount on File
Deed Sale	Feb 18, 2021 · Amount on File
Prior Sale	Jan 11, 2007 · Amount on File
Deed Document Number	20215900013
Deed Book / Page	72 / 446
Prior Transfer Date	Nov 22, 2006
Prior Transfer Doc	0005900260
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 18, 2021
Property Address	546 OAK ST, LUDLOW, KY 41016-1318
Document Number	0005900013
Book / Page	72 / 446
Instrument Date	Dec 15, 2020
Instrument	21021805900013
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1141 MOUNT PLEASANT RD, 1141, MOUNT OLIVET, KY 41064-7732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 OAK ST, LUDLOW, KY 41016-1318

Mortgage

Document Number	0005900014
Date	Feb 18, 2021
Book Page	168/916
Instrument	21021805900014

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 546 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		$100,000 (-) Land $15,000 Building $85,000	$100,000 (-) Land $15,000 Building $85,000
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 546 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 546 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