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

Kenton County property record for 604 Riversbreeze Dr, Ludlow, KY 41016

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,717 sqft · built 2006
Lot Size	0.039 acres (1,717 sqft)
Owner	Individual Name on File
Last Sale	$228,500 (Nov 2020)
Tax Bill	$2,342 (2025)
Deeds & Mortgages	Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`840-20-00-025.31`

Property Details

APN / Parcel Number

Primary APN	`840-20-00-025.31`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,717 sqft Finished Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	1,717 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	604 RIVERSBREEZE DR
City	LUDLOW
State	KY
Zip	41016-1712
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	RIVERS BREEZE SEC 3 UNIT 25-301 1717 SF CARNEGIE UPPER SUMMIT LEFT
Legal Subdivision	RIVERS BREEZE
Legal Phase	3
Legal Lot Number	25-301
Legal Unit	25-301
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	63800

Owner

604 Riversbreeze Dr, a condominium, is owned and occupied by an individual who bought it in November 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	604 RIVERSBREEZE DR, LUDLOW, KY 41016-1712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2020 · Amount on File
Deed Sale	Nov 6, 2020 · Amount on File
Prior Sale	Oct 23, 2012 · Amount on File
Deed Document Number	20205900062
Deed Book / Page	53 / 809
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 6, 2020
Property Address	604 RIVERS BREEZE DR, LUDLOW, KY 41016-1712
Document Number	0000000062
Book / Page	000053 / 000809
Instrument Date	Nov 3, 2020
Instrument	62
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 RIVERS BREEZE DR LUDLOW KY 410161712, LUDLOW, KY 41016-1712

Tax Assessment & Valuation

The 2025 property tax bill for 604 Riversbreeze Dr was $2,342 with a homeowner's exemption.

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		$228,500 (-) Building $228,500	$228,500 (-) Building $228,500
2025	$2,342.00 Homeowner's exemption	$228,500 Building $228,500	$228,500 Building $228,500
2023	$2,940.00	$228,500 Building $228,500	$228,500 Building $228,500

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

Flood

FEMA maps place 604 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 604 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