Kenton County property record for 611 Oak St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 858 sqft · built 1950 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Jun 2020) |
| Tax Bill | $1,632 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Line of Credit Jun 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-32-07-008.00 |
| Primary APN | 026-32-07-008.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 858 sqft Finished Area |
| Gross Area | 1,115 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 125 ft deep x 40 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 611 OAK ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART E 20' LOT 256 & W 20' LOT 255 40'X 125' |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 255,25 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 66900 |
611 Oak St is owned and occupied by an individual who bought it in June 2020.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 611 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 |
|---|---|
| Jun 29, 2020 | Warranty Deed, Transfer · Line of Credit AMERICAN MTG SVC |
| Jun 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Mar 23, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jan 26, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2020 · Amount on File |
| Deed Sale | Jun 29, 2020 · Amount on File |
| Prior Sale | Mar 23, 2017 · Amount on File |
| Deed Document Number | 20205900281 |
| Deed Book / Page | 29 / 22 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 29, 2020 |
| Property Address | 611 OAK ST, LUDLOW, KY 41016-1319 |
| Document Number | 0000000281 |
| Book / Page | 000029 / 000022 |
| Instrument Date | Jun 26, 2020 |
| Instrument | 281 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 611 OAK ST LUDLOW KY 410161319, LUDLOW, KY 41016-1319 |
| Document Number | 282 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 000M63/000981 |
| Instrument | 282 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 611 OAK ST, LUDLOW, KY 41016-1319 |
| Document Number | 0000000013 |
| Instrument Date | Jun 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 611 OAK ST LUDLOW KY 410161319, LUDLOW, KY 41016-1319 |
| Document Number | 0000000013 |
|---|---|
| Date | Aug 4, 2020 |
| Book Page | 000077/000846 |
| Instrument | 13 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | 20 W PIKE ST, COVINGTON, KY 41011-2711 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 3, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 23, 2017 |
| Property Address | 611 OAK ST, LUDLOW, KY 41016-1319 |
| Document Number | 0000000100 |
| Book / Page | 0C6122 / 000212 |
| Instrument Date | Mar 21, 2017 |
| Instrument | 100 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $53.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 611 OAK ST LUDLOW KY 410161319, LUDLOW, KY 41016-1319 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 26, 2017 |
| Property Address | 611 OAK ST, LUDLOW, KY 41016-1319 |
| Document Number | 0000000289 |
| Book / Page | 0C6083 / 000241 |
| Instrument Date | Sep 30, 2016 |
| Instrument | 289 |
| Transaction Type | Foreclosure |
| Record Updated | May 11, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | PO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 611 Oak St was $1,632.
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 | $125,000 (-) Land $15,000 Building $110,000 | $125,000 (-) Land $15,000 Building $110,000 | |
| 2025 | $1,632.00 | $125,000 Land $10,000 Building $115,000 | $125,000 Land $10,000 Building $115,000 |
| 2023 | $1,608.00 | $125,000 Land $10,000 Building $115,000 | $125,000 Land $10,000 Building $115,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 611 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 611 Oak St is low, with less than 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 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures