Kenton County property record for 610 Laurel St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,623 sqft · built 1925 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Feb 2021) |
| Tax Bill | $2,089 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Feb 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-02-016.00 |
| Primary APN | 026-34-02-016.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,623 sqft Finished Area |
| Gross Area | 1,777 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 4,356 sqft (0.1 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 610 LAUREL ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART S 20' LOT 517 & N 15' LOT 516 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 516,51 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 66900 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 610 LAUREL ST, LUDLOW, KY 41016-1341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 18, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Feb 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Aug 13, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 1, 2021 · Amount on Record |
| Deed Sale | Feb 1, 2021 · Amount on Record |
| Deed Document Number | 20215900003 |
| Deed Book / Page | 68 / 921 |
| Prior Transfer Date | Jan 25, 2021 |
| Prior Transfer Doc | 0005900003 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 610 LAUREL ST, LUDLOW, KY 41016-1341 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 610 LAUREL ST, LUDLOW, KY 41016-1341 |
| Document Number | 0005900186 |
|---|---|
| Date | Jun 18, 2021 |
| Book Page | 233/99 |
| Instrument | 21061805900186 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 21, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 1, 2021 |
| Property Address | 610 LAUREL ST, LUDLOW, KY 41016-1341 |
| Document Number | 0005900003 |
| Book / Page | 68 / 921 |
| Map Reference | PL 443 |
| Instrument Date | Jan 25, 2021 |
| Instrument | 21020105900003 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 440 ELM ST, LUDLOW, KY 41016-1428 |
| Name | Verified Name |
|---|---|
| Address | 610 LAUREL ST, LUDLOW, KY 41016-1341 |
| Document Number | 0005900004 |
|---|---|
| Date | Feb 1, 2021 |
| Book Page | 160/521 |
| Instrument | 21020105900004 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 13, 2019 |
| Property Address | 610 LAUREL ST, LUDLOW, KY 41016-1341 |
| Document Number | 0000000137 |
| Book / Page | 0C6729 / 000019 |
| Instrument Date | Jun 25, 2019 |
| Instrument | 137 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 ELM ST LUDLOW KY 410161428, LUDLOW, KY 41016-1428 |
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 | $160,000 (-) Land $15,000 Building $145,000 | $160,000 (-) Land $15,000 Building $145,000 | |
| 2025 | $2,089.00 (+1.46%) | $160,000 (-) Land $10,000 Building $150,000 | $160,000 (-) Land $10,000 Building $150,000 |
| 2023 | $2,059.00 | $160,000 Land $10,000 Building $150,000 | $160,000 Land $10,000 Building $150,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record 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.
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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