Kenton County property record for 616 Laurel St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,211 sqft · built 1925 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Company Name on File |
| Last Sale | $140,000 (Mar 2020) |
| Tax Bill | $1,828 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-02-018.00 |
| Primary APN | 026-34-02-018.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,211 sqft Finished Area |
| Gross Area | 1,553 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 616 LAUREL ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 514 & N 10' LOT 513 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 514,513 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 66900 |
616 Laurel St is owned by a company that bought it in March 2020.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 616 LAUREL ST, LUDLOW, KY 41016-1341 |
| Owner Type | Company |
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 |
|---|---|
| Nov 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Mar 11, 2020 | Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FNDG |
| Jun 4, 2018 | Warranty Deed, Transfer · Conventional with PMI AMERICAN MTG SVC |
| Jul 26, 2017 | Grant Deed, Transfer SPL EXPRESS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 2020 · Amount on File |
| Deed Sale | Mar 11, 2020 · Amount on File |
| Prior Sale | Jun 4, 2018 · Amount on File |
| Deed Document Number | 20205900166 |
| Deed Book / Page | 11 / 340 |
| Prior Transfer Date | Feb 23, 2017 |
| Prior Transfer Doc | 0005900116 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 616 LAUREL ST, LUDLOW, KY 41016-1341 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Title Company | THIRD CAPITAL TITLE CINCINNATI, THIRD CAPITAL TTL CINCINNATI |
| Name | Verified Name |
|---|
| Document Number | 0005900288 |
|---|---|
| Date | Nov 2, 2021 |
| Book Page | 295/402 |
| Instrument | 21110205900288 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 11, 2020 |
| Property Address | 616 LAUREL ST, LUDLOW, KY 41016-1341 |
| Document Number | 0000000166 |
| Book / Page | 000011 / 000340 |
| Instrument Date | Feb 24, 2020 |
| Instrument | 166 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2020 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 616 LAUREL ST LUDLOW KY 410161341, LUDLOW, KY 41016-1341 |
| Document Number | 167 |
|---|---|
| Date | Mar 11, 2020 |
| Book Page | 000018/000497 |
| Instrument | 167 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 10, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 4, 2018 |
| Property Address | 616 LAUREL ST, LUDLOW, KY 41016-1341 |
| Document Number | 0000000410 |
| Book / Page | 0C6424 / 000015 |
| Instrument Date | May 31, 2018 |
| Instrument | 410 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $122.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 616 LAUREL ST LUDLOW KY 410161341, LUDLOW, KY 41016-1341 |
| Document Number | 412 |
|---|---|
| Date | Jun 4, 2018 |
| Book Page | 0C6424/000018 |
| Instrument | 412 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 95296 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 3, 2048 |
| Document Number | 413, |
|---|---|
| Date | Jun 4, 2018 |
| Book Page | 0C6424/000033 |
| Instrument | 413 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | COVINGTON, KY |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Jun 3, 2023 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 26, 2017 |
| Property Address | 616 LAUREL ST, LUDLOW, KY 41016-1341 |
| Document Number | 0000000113 |
| Book / Page | 006210 / 000192 |
| Instrument Date | May 3, 2017 |
| Instrument | 113 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | SPL EXPRESS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $50.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 616 LAUREL ST LUDLOW KY 410161341, LUDLOW, KY 41016-1341 |
The 2025 property tax bill for 616 Laurel St was $1,828.
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 | $150,800 (+7.71%) Land $15,000 Building $135,800 | $150,800 (+7.71%) Land $15,000 Building $135,800 | |
| 2025 | $1,828.00 | $140,000 Land $10,000 Building $130,000 | $140,000 Land $10,000 Building $130,000 |
| 2023 | $1,801.00 | $140,000 Land $10,000 Building $130,000 | $140,000 Land $10,000 Building $130,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 616 Laurel St in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1978.
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 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 616 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 |
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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