58 Kenner St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 58 Kenner St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,770 sqft · built 1920
Lot Size	0.258 acres (11,258 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Oct 2023)
Tax Bill	$7,117 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-33-06-009.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-06-009.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,770 sqft Finished Area
Gross Area	3,933 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	11,258 sqft (0.258 acres)
Lot Dimensions	118 ft deep x 158 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	58 KENNER ST
City	LUDLOW
State	KY
Zip	41016-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNER GEO R PT LOTS 72-73 158' X 118.5' IRREG WS KENNER 93' N ELM
Legal Subdivision	KENNER GEO R
Legal Lot Number	72,73
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3002
Census Tract	66900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Central Ludlow Historic District listed 1984 · 343 contributing resources · NRIS 84000526

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	58 KENNER ST, LUDLOW, KY 41016-1456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Sep 12, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2023 · Amount on Record
Deed Sale	Oct 26, 2023 · Amount on Record
Prior Sale	Sep 12, 2022 · Amount on Record
Deed Document Number	2023102642
Deed Book / Page	254 / 52
Prior Transfer Date	Aug 24, 2007
Prior Transfer Doc	0005900020
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 26, 2023
Property Address	58 KENNER ST, LUDLOW, KY 41016-1456
Document Number	0005900042
Book / Page	KC 254 / 52
Instrument Date	Oct 24, 2023
Instrument	23102605900042
Transaction Type	Transfer
Record Updated	Feb 7, 2024
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2892 NORTHCROSS DR, HEBRON, KY 41048-6710

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	58 KENNER ST, LUDLOW, KY 41016-1456

Mortgage

Document Number	0005900043
Date	Oct 26, 2023
Book Page	KCM 502/905
Instrument	23102605900043

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	58 KENNER ST, LUDLOW, KY 41016-1456
Transaction Type	Mortgage
Record Updated	Dec 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900072
Date	Nov 18, 2022
Book Page	422/519
Instrument	22111805900072

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 12, 2022
Property Address	58 KENNER ST, LUDLOW, KY 41016-1456
Document Number	0005900188
Book / Page	189 / 479
Instrument Date	Sep 7, 2022
Instrument	22091205900188
Transaction Type	Transfer
Record Updated	Sep 27, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2346 CRESTBROOK DR, 2346, CRESCENT SPRINGS, KY 41017-1328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 KENNER ST, LUDLOW, KY 41016-1456

Mortgage

Document Number	0005900189
Date	Sep 12, 2022
Instrument	22091205900189

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Oct 1, 2023
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.5%

Tax Assessment & Valuation

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		$545,000 (-) Land $20,000 Building $525,000	$545,000 (-) Land $20,000 Building $525,000
2025	$7,117.00 (+34.89%)	$545,000 (+32.93%) Land $20,000 Building $525,000	$545,000 (+32.93%) Land $20,000 Building $525,000
2023	$5,276.00	$410,000 Land $20,000 Building $390,000	$410,000 Land $20,000 Building $390,000

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

Flood

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 Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	12 (1997–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 10 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

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 516 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

May also be available: T-Mobile.

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