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  5. Laurel St

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

Kenton County property record for 618 Laurel St, Ludlow, KY 41016

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 1,884 sqft · built 1925
Lot Size0.087 acres (3,780 sqft)
Owner2 Company Names on File
Last Sale$123,500 (Feb 2021)
Tax Bill$1,612 (2025)
Deeds & MortgagesMay 2026 Transfer
Feb 2021 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN026-34-02-019.00

Property Details

APN / Parcel Number

Primary APN026-34-02-019.00

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,884 sqft Finished Area
Gross Area2,208 sqft

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1925
Exterior MaterialAluminum/Vinyl
Roof MaterialComposition Shingle
Lot Area3,780 sqft (0.087 acres)
Lot Dimensions120 ft deep x 31.5 ft wide
Garage TypeDetached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Street Address618 LAUREL ST
CityLUDLOW
StateKY
Zip41016-1341
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUDLOW 2ND PART PT LOTS 512-513 31.50'X 120'
Legal SubdivisionLUDLOW EST 2ND PARTITION
Legal Lot Number512,51
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group4
Census Block4012
Census Tract66900

Owner

Source: Kenton County records · APN 026-34-02-019.00

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 Record2 Company Names on File
Mailing Address1487 GREENERY DR, FLORENCE, KY 41042-7080
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
May 13, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Feb 15, 2021Warranty Deed, Transfer · Conventional Mortgage
DELTA COMMUNITY CU
Nov 24, 2020Grant Deed, Transfer
NOT AVAILABLE
May 07, 2020Warranty Deed, Transfer
ATTORNEY ONLY
Apr 10, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 15, 2021 · Amount on Record
Deed SaleFeb 15, 2021 · Amount on Record
Prior SaleMay 07, 2020 · Amount on Record
Deed Document Number20215900073
Deed Book / Page71 / 925
Last Transfer DateApr 17, 2026
Transfer Doc0000009904
Record UpdatedSep 20, 2026

May 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateMay 13, 2026
Property Address618 LAUREL ST, LUDLOW, KY 41016-1341
Document Number0000009904
Book / Page430 / 348
Instrument DateApr 17, 2026
Instrument20269904
Transaction TypeTransfer
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address1487 GREENERY DR, FLORENCE, KY 41042-7080

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateFeb 15, 2021
Property Address618 LAUREL ST, LUDLOW, KY 41016-1341
Document Number0005900073
Book / Page71 / 925
Map ReferencePL 443
Instrument DateFeb 10, 2021
Instrument21021505900073
Transaction TypeTransfer
Record UpdatedJan 18, 2022
Title Company360 AMERICAN TITLE SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6407 PEPPAREL DR, 6407, BURLINGTON, KY 41005

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address618 LAUREL ST, LUDLOW, KY 41016-1341

Mortgage

Document Number0005900074
DateFeb 15, 2021
Book Page167/540
Instrument21021505900074
Lender
NameDELTA COMMUNITY CU
TypeCredit Union
AddressPEACHTREE CITY, GA 30269
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

November 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateNov 24, 2020
Property Address618 LAUREL ST, LUDLOW, KY 41016-1341
Document Number0000000149
Book / Page00KC57 / 000428
Instrument DateNov 20, 2020
Instrument149
Transaction TypeTransfer
Record UpdatedDec 22, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$10.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address122 CARNEAL ST LUDLOW KY 41016, LUDLOW, KY 41016

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMay 07, 2020
Property Address618 LAUREL ST, LUDLOW, KY 41016-1341
Document Number0000000230
Book / Page000020 / 000172
Instrument DateMay 01, 2020
Instrument230
Transaction TypeTransfer
Record UpdatedJul 03, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$126.00
Amount AccuracyConfirmed
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address122 CARNEAL ST LUDLOW KY 41016, LUDLOW, KY 41016

April 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateApr 10, 2019
Property Address618 LAUREL ST, LUDLOW, KY 41016-1341
Document Number0000000148
Book / Page0C6637 / 000125
Instrument DateMar 05, 2019
Instrument148
Transaction TypeTransfer
Record UpdatedApr 24, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address618 LAUREL ST LUDLOW KY 410161341, LUDLOW, KY 41016-1341

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$1,612.00 (+1.45%)$123,500 (-) Land $10,000 Building $113,500$123,500 (-) Land $10,000 Building $113,500
2023$1,589.00$123,500 Land $10,000 Building $113,500$123,500 Land $10,000 Building $113,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 19 policies
Nearby Flood Policies19 in force
Nearby Flood Claims26 (1978–2025)
Claims Outside the SFHA1 of 26
Most Recent ClaimApr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 5 claims
  • Severe Storm, Flooding, And Tornadoes, Mar 1997 · 9 claims

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach

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 as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cincinnati Bell
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

Based on FCC filings for 719 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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