Kenton County property record for 603 Laurel St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,078 sqft · built 1946 |
| Lot Size | 0.088 acres (3,850 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $193,500 (Jan 2026) |
| Tax Bill | $1,763 (2025) |
| Deeds & Mortgages | Jan 2026 Sale Sep 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-05-017.00 |
| Primary APN | 026-34-05-017.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,078 sqft Finished Area |
| Gross Area | 1,331 sqft |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,850 sqft (0.088 acres) |
| Lot Dimensions | 110 ft deep x 35 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 603 LAUREL ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 553 & PT LOT 552 35'X 110' SS LAUREL ST |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 553,552 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 66900 |
603 Laurel St is owned by two individuals who bought it in January 2026.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3820 STEWART DR, RYLAND HGHT, KY 41015-9307 |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Jan 9, 2026 | Warranty Deed, Transfer |
| Sep 5, 2018 | Warranty Deed, Transfer · Conventional with PMI FIFTH THIRD MTG |
| Aug 22, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 2026 · Amount on File |
| Deed Sale | Jan 9, 2026 · Amount on File |
| Prior Sale | Sep 5, 2018 · Amount on File |
| Deed Document Number | 20260109390 |
| Deed Book / Page | 384 / 177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 9, 2026 |
| Property Address | 603 LAUREL ST, LUDLOW, KY 41016-1340 |
| Document Number | 0000000390 |
| Book / Page | KC 384 / 177 |
| Instrument Date | Jan 6, 2026 |
| Instrument | 26059000000390 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $193.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 438 MCALPIN AVE, ERLANGER, KY 41018-1645 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 603 LAUREL ST, LUDLOW, KY 41016-1340 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 5, 2018 |
| Property Address | 603 LAUREL ST, LUDLOW, KY 41016-1340 |
| Document Number | 0000000422 |
| Book / Page | 0C6495 / 000167 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 422 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $68.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 603 LAUREL ST LUDLOW KY 410161340, LUDLOW, KY 41016-1340 |
| Document Number | 423 |
|---|---|
| Date | Sep 5, 2018 |
| Book Page | 0C6495/000170 |
| Instrument | 423 |
| Name | FIFTH THIRD MTG |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 4, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 603 LAUREL ST, LUDLOW, KY 41016-1340 |
| Document Number | 0000000223 |
| Instrument Date | Aug 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 603 LAUREL ST LUDLOW KY 410161340, LUDLOW, KY 41016-1340 |
| Document Number | 0000000223 |
|---|---|
| Date | Sep 18, 2018 |
| Book Page | 0C6504/000037 |
| Instrument | 223 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | COVINGTON, KY 41011 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Sep 17, 2023 |
The 2025 property tax bill for 603 Laurel St was $1,763.
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 | $149,400 (+10.67%) Land $15,000 Building $134,400 | $149,400 (+10.67%) Land $15,000 Building $134,400 | |
| 2025 | $1,763.00 | $135,000 Land $10,000 Building $125,000 | $135,000 Land $10,000 Building $125,000 |
| 2023 | $1,737.00 | $135,000 Land $10,000 Building $125,000 | $135,000 Land $10,000 Building $125,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 603 Laurel St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
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 | 6 in force |
| Nearby Flood Claims | 1 (1997) |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, And Tornadoes |
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 603 Laurel 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 |
| 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 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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