Kenton County property record for 608 Riversbreeze Dr, Ludlow, KY 41016
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,510 sqft · built 2006 |
| Lot Size | 0.035 acres (1,510 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $302,500 (Apr 2022) |
| Tax Bill | $3,309 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Aug 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 840-20-00-025.21 |
| Primary APN | 840-20-00-025.21 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,510 sqft Finished Area |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 1,510 sqft (0.035 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 608 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 25-201 1510 SF CARNEGIE ENTRY PROMENADE LEFT |
| Legal Subdivision | RIVERS BREEZE |
| Legal Phase | 3 |
| Legal Lot Number | 25-201 |
| Legal Unit | 25-201 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 63800 |
608 Riversbreeze Dr, a condominium, is owned and occupied by two individuals who bought it in April 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 608 RIVERSBREEZE DR, LUDLOW, KY 41016-1712 |
| 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 |
|---|---|
| Apr 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage RIVERHILLS BANK |
| Aug 14, 2020 | Deed of Trust, Mortgage · Conventional with PMI POLARIS HM FNDG |
| Jun 6, 2019 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Nov 29, 2017 | Grant Deed, Transfer · Conventional with PMI ETHOS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2022 · Amount on File |
| Deed Sale | Apr 12, 2022 · Amount on File |
| Prior Sale | Nov 29, 2017 · Amount on File |
| Deed Document Number | 2022102 |
| Deed Book / Page | 159 / 193 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 12, 2022 |
| Property Address | 608 RIVERSBREEZE DR, LUDLOW, KY 41016-1712 |
| Document Number | 0005900102 |
| Book / Page | 159 / 193 |
| Map Reference | MB C-1234 PG 298 |
| Instrument Date | Apr 8, 2022 |
| Instrument | 22041205900102 |
| 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 | 630 RIVERSBREEZE DR, LUDLOW, KY 41016-1712 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 608 RIVERS BREEZE DR, LUDLOW, KY 41016-1712 |
| Document Number | 0005900103 |
|---|---|
| Date | Apr 12, 2022 |
| Instrument | 22041205900103 |
| Name | RIVERHILLS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 608 RIVERS BREEZE DR, LUDLOW, KY 41016-1712 |
| Document Number | 0000000113 |
| Instrument Date | Aug 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 608 RIVERS BREEZE DR LUDLOW KY 410161712, LUDLOW, KY 41016-1712 |
| Document Number | 0000000113 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 000M87/000117 |
| Instrument | 113 |
| Name | POLARIS HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | GRANDVILLE, MI 49418 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 23, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 608 RIVERS BREEZE DR, LUDLOW, KY 41016-1712 |
| Document Number | 0000000184 |
| Instrument Date | Jun 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 608 RIVERS BREEZE DR LUDLOW KY 410161712, LUDLOW, KY 41016-1712 |
| Document Number | 0000000184 |
|---|---|
| Date | Jun 14, 2019 |
| Book Page | 0C6681/000032 |
| Instrument | 184 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 13, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 29, 2017 |
| Property Address | 608 RIVERS BREEZE DR, LUDLOW, KY 41016-1712 |
| Document Number | 0000000040 |
| Book / Page | 0C6303 / 000223 |
| Instrument Date | Nov 21, 2017 |
| Instrument | 40 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | NORTHWEST TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $187.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 608 RIVERS BREEZE DR LUDLOW KY 410161712, LUDLOW, KY 41016-1712 |
| Document Number | 41 |
|---|---|
| Date | Nov 29, 2017 |
| Book Page | 0C6303/000227 |
| Instrument | 41 |
| Name | ETHOS LNDG |
|---|---|
| Address | PITTSBURGH, PA 15212 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 28, 2047 |
The 2025 property tax bill for 608 Riversbreeze Dr was $3,309 with a homeowner's exemption.
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 | $302,500 (-) Building $302,500 | $302,500 (-) Building $302,500 | |
| 2025 | $3,309.00 Homeowner's exemption | $302,500 Building $302,500 | $302,500 Building $302,500 |
| 2023 | $3,893.00 | $302,500 Building $302,500 | $302,500 Building $302,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 608 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 608 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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