552 Riversbreeze Dr, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 552 Riversbreeze Dr, Ludlow, KY 41016

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,718 sqft · built 2004
Lot Size	0.039 acres (1,718 sqft)
Owner	2 Individual Names on File
Last Sale	$173,000 (Jul 2018)
Tax Bill	$2,481 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`840-20-00-024.14`

Property Details

APN / Parcel Number

Primary APN	`840-20-00-024.14`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,718 sqft Finished Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Condo/Apartment
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	1,718 sqft (0.039 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	552 RIVERSBREEZE DR
City	LUDLOW
State	KY
Zip	41016-1704
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	RIVERS BREEZE SEC 3 UNIT 24-104 1718 SF CARNEGIE LOWER VERANDA RIGHT
Legal Subdivision	RIVERS BREEZE
Legal Phase	3
Legal Lot Number	24-104
Legal Unit	24-104
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	63800

Owner

552 Riversbreeze Dr, a condominium, is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	552 RIVERSBREEZE DR, LUDLOW, KY 41016-1704
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	2 Names on Deed
Last Sale	Jul 25, 2018 · Amount on File
Deed Sale	Jul 25, 2018 · Amount on File
Prior Sale	Jul 27, 2004 · Amount on File
Deed Document Number	201807 25 059 00399
Deed Book / Page	6461 / 251
Prior Transfer Date	May 19, 2004
Prior Transfer Doc	0727059003
Record Updated	Oct 29, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 25, 2018
Property Address	552 RIVERS BREEZE DR, LUDLOW, KY 41016-1704
Document Number	0000000399
Book / Page	0C6461 / 000251
Instrument Date	Jul 19, 2018
Instrument	399
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	FIRST TITLE COMPANY, FIRST TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	552 RIVERS BREEZE DR LUDLOW KY 410161704, LUDLOW, KY 41016-1704

Mortgage

Document Number	400
Date	Jul 25, 2018
Book Page	0C6461/000255
Instrument	400

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 552 Riversbreeze Dr was $2,481.

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		$219,900 (+15.74%) Building $219,900	$219,900 (+15.74%) Building $219,900
2025	$2,481.00	$190,000 Building $190,000	$190,000 Building $190,000
2023	$2,445.00	$190,000 Building $190,000	$190,000 Building $190,000

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

Flood

FEMA maps place 552 Riversbreeze Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2024 · other causes

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 552 Riversbreeze Dr 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
Adjoins Burnable Land	Yes

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 95 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
T-Mobile Fixed Wireless	100 / 20