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617 Laurel St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 617 Laurel St, Ludlow, KY 41016 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 918 sqft · built 1936
Lot Size0.1 acres (4,356 sqft)
OwnerIndividual Name on File
Last Sale$81,000 (Sep 2006)
Tax Bill$925 (2025)
Deeds & MortgagesJan 2017 Loan Modification
Jan 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN026-34-05-014.00

Property Details

APN / Parcel Number

Primary APN026-34-05-014.00

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area918 sqft Finished Area
Gross Area984 sqft

Exterior

Year BuiltBuilt 1936
Effective Year BuiltEffective 1936
Exterior MaterialAluminum/Vinyl
Roof MaterialComposition Shingle
Lot Area4,356 sqft (0.1 acres)
Garage TypeBasement
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address617 LAUREL ST
CityLUDLOW
StateKY
Zip41016-1340
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUDLOW 2ND PART LOT 548 & PT 547-549
Legal SubdivisionLUDLOW EST 2ND PARTITION
Legal Phase9
Legal Lot Number548,547
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group2
Census Block2010
Census Tract66900

Owner

Source: Kenton County records · APN 026-34-05-014.00

Assessment roll updated December 2, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address617 LAUREL ST, LUDLOW, KY 41016-1340
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 16, 2017Loan Modification, Mortgage · Conventional Mortgage
WELLS FARGO BK
Jan 16, 2017Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 14, 2006 · Amount on Record
Deed SaleSep 14, 2006 · Amount on Record
Prior SaleOct 18, 2000 · Amount on Record
Deed Document Number200609 14 059 00207
Deed Book / Page3141 / 65
Record UpdatedSep 20, 2026

January 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKENTON KY
Property Address617 LAUREL ST, LUDLOW, KY 41016-1340
Document Number0000000135
Instrument DateJan 16, 2017
Transaction TypeMortgage
Record UpdatedAug 18, 2018
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address617 LAUREL ST LUDLOW KY 410161340, LUDLOW, KY 41016-1340

Mortgage

Document Number0000000135
DateMar 15, 2017
Book Page0C6116/000224
Instrument135
Lender
NameWELLS FARGO BK
TypeBank
AddressFORT MILL, SC 29715
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 14, 2047
Interest
Rate3.62%

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address617 LAUREL ST, LUDLOW, KY 41016-1340
Document Number0000000196
Instrument DateJan 16, 2017
Transaction TypeMortgage
Record UpdatedJan 09, 2019
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address617 LAUREL ST LUDLOW KY 410161340, LUDLOW, KY 41016-1340

Mortgage

Document Number0000000196
DateApr 10, 2017
Book Page0C6134/000006
Instrument196
Lender
NameHUD-HOUSING/URBAN DEV
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 09, 2047

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityLudlow City
Unified School DistrictLudlow Independent School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$925.00 (-2.32%) Homeowner's exemption$120,000 (-) Land $10,000 Building $110,000$120,000 (-) Land $10,000 Building $110,000
2023$947.00 Homeowner's exemption$120,000 Land $10,000 Building $110,000$120,000 Land $10,000 Building $110,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170669002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies6 in force
Nearby Flood Claims1 (1997)
Most Recent ClaimMar 1997, river or lake flooding, Severe Storm, Flooding, And Tornadoes

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 719 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cincinnati BellFiber3,000 / 3,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

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