Kenton County property record for 554 Riversbreeze Dr, Ludlow, KY 41016
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,717 sqft · built 2004 |
| Lot Size | 0.039 acres (1,717 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (Oct 2023) |
| Tax Bill | $3,656 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage May 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 840-20-00-024.34 |
| Primary APN | 840-20-00-024.34 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,717 sqft Finished Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 1,717 sqft (0.039 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 554 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 24-304 & 24-G8 1717 SF CARNEGIE UPPER SUMMIT RIGHT |
| Legal Subdivision | RIVERS BREEZE |
| Legal Phase | 3 |
| Legal Lot Number | 24-304 |
| Legal Unit | 24-304 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 63800 |
554 Riversbreeze Dr, a condominium, is owned and occupied by an individual who bought it in October 2023.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 554 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.
| Date | Document |
|---|---|
| Oct 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| May 22, 2023 | Quit Claim Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC |
| Aug 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2023 · Amount on File |
| Deed Sale | Oct 10, 2023 · Amount on File |
| Prior Sale | Aug 24, 2021 · Amount on File |
| Deed Document Number | 2023113 |
| Deed Book / Page | 250 / 989 |
| Prior Transfer Date | Dec 28, 2022 |
| Prior Transfer Doc | 0005900126 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 10, 2023 |
| Property Address | 554 RIVERSBREEZE DR, LUDLOW, KY 41016-1704 |
| Document Number | 0005900113 |
| Book / Page | KC 250 / 989 |
| Map Reference | MB C-1234 PG 298 |
| Instrument Date | Oct 6, 2023 |
| Instrument | 23101005900113 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 330 N MARKET ST, MONON, IN 47959 |
| Name | Verified Name |
|---|---|
| Address | 5188 DANA HARVEY LN, INDEPENDENCE, KY 41051-8145 |
| Document Number | 0005900114 |
|---|---|
| Date | Oct 10, 2023 |
| Instrument | 23101005900114 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 22, 2023 |
| Property Address | 554 RIVERSBREEZE DR, LUDLOW, KY 41016-1704 |
| Document Number | 0005900126 |
| Book / Page | KC 227 / 622 |
| Map Reference | SL 1984&1984A-1984C |
| Instrument Date | Dec 28, 2022 |
| Instrument | 23052205900126 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 554 RIVERSBREEZE DR, LUDLOW, KY 41016-1704 |
| Name | Verified Name |
|---|---|
| Address | 250 MAIN ST, LA FAYETTE, IN 47901-1285 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 24, 2021 |
| Property Address | 554 RIVERSBREEZE DR, LUDLOW, KY 41016-1704 |
| Document Number | 0005900168 |
| Book / Page | 113 / 295 |
| Map Reference | MB C-1234 PG 298 |
| Instrument Date | Aug 6, 2021 |
| Instrument | 21082405900168 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1867 NE 33RD ST, OAKLAND PARK, FL 33306-1003 |
| Name | Verified Name |
|---|---|
| Address | 554 RIVERS BREEZE DR, LUDLOW, KY 41016-1704 |
| Document Number | 0005900169 |
|---|---|
| Date | Aug 24, 2021 |
| Instrument | 21082405900169 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 314 Months |
| Due | Oct 29, 2047 |
The 2025 property tax bill for 554 Riversbreeze Dr was $3,656.
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 | $280,000 (-) Building $280,000 | $280,000 (-) Building $280,000 | |
| 2025 | $3,656.00 | $280,000 Building $280,000 | $280,000 Building $280,000 |
| 2023 | $3,539.00 (+0.85%) | $275,000 (-) Building $275,000 | $275,000 (-) Building $275,000 |
| 2022 | $3,509.00 | $275,000 Building $275,000 | $275,000 Building $275,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 554 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 risk around 554 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.
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 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 |
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