Kenton County property record for 601 Oak St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,374 sqft · built 1905 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $43,000 (Aug 1994) |
| Tax Bill | $1,371 (2025) |
| Deeds & Mortgages | Mar 2019 Transfer Jan 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-32-07-013.00 |
| Primary APN | 026-32-07-013.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,374 sqft Finished Area |
| Gross Area | 1,908 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Slate |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 125 ft deep x 25 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 601 OAK ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 249 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 249 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 66900 |
601 Oak St is owned and occupied by an individual who acquired it in March 2019.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 601 OAK ST, LUDLOW, KY 41016-1319 |
| 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 |
|---|---|
| Mar 25, 2019 | Quit Claim Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Jan 11, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 1994 · Amount on File |
| Deed Sale | Aug 1, 1994 · Amount on File |
| Last Transfer Date | Mar 22, 2019 |
| Transfer Doc | 0000000192 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 25, 2019 |
| Property Address | 601 OAK ST, LUDLOW, KY 41016-1319 |
| Document Number | 0000000192 |
| Book / Page | 0C6624 / 000177 |
| Instrument Date | Mar 22, 2019 |
| Instrument | 192 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2019 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 601 OAK ST LUDLOW KY 410161319, LUDLOW, KY 41016-1319 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 601 OAK ST, LUDLOW, KY 41016-1319 |
| Document Number | 0000000178 |
| Instrument Date | Jan 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2019 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|---|
| Address | 601 OAK ST LUDLOW KY 410161319, LUDLOW, KY 41016-1319 |
| Document Number | 0000000178 |
|---|---|
| Date | Mar 1, 2019 |
| Book Page | 0C6610/000008 |
| Instrument | 178 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 28, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 601 Oak St was $1,371.
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 | $137,900 (+31.33%) Land $15,000 Building $122,900 | $137,900 (+31.33%) Land $15,000 Building $122,900 | |
| 2025 | $1,371.00 | $105,000 Land $10,000 Building $95,000 | $105,000 Land $10,000 Building $95,000 |
| 2023 | $1,351.00 | $105,000 Land $10,000 Building $95,000 | $105,000 Land $10,000 Building $95,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 601 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 |
|
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 601 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.
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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