Kenton County property record for 628 Riversbreeze Dr, Ludlow, KY 41016
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,277 sqft · built 2006 |
| Lot Size | 0.029 acres (1,277 sqft) |
| Owner | Individual Name on File |
| Last Sale | $237,500 (Oct 2020) |
| Tax Bill | $3,101 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 840-20-00-026.22 |
| Primary APN | 840-20-00-026.22 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,277 sqft Finished Area |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 1,277 sqft (0.029 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 628 RIVERSBREEZE DR |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1712 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | RIVERS BREEZE SEC 7 UNIT 26-202 1277 SF ROCKWELL ENTRY PROMENADE LEFT |
| Legal Subdivision | RIVERS BREEZE |
| Legal Phase | 7 |
| Legal Lot Number | 26-202 |
| Legal Unit | 26-202 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 63800 |
628 Riversbreeze Dr, a condominium, is owned by an individual who bought it in October 2020.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 113 E 5TH ST, A, NEWPORT, KY 41071-1717 |
| 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 |
|---|---|
| Oct 7, 2020 | Deed of Trust, Mortgage CALIBER HM LOANS |
| Oct 13, 2020 | Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 13, 2020 · Amount on File |
| Deed Sale | Oct 13, 2020 · Amount on File |
| Prior Sale | Nov 26, 2012 · Amount on File |
| Deed Document Number | 20205900108 |
| Deed Book / Page | 48 / 798 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 628 RIVERS BREEZE DR, LUDLOW, KY 41016-1712 |
| Document Number | 0000000109 |
| Instrument Date | Oct 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 628 RIVERS BREEZE DR #202 LUDLOW KY 410161712, 202, LUDLOW, KY 41016-1712 |
| Document Number | 0000000109 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 00M110/000823 |
| Instrument | 109 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 12, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 13, 2020 |
| Property Address | 628 RIVERS BREEZE DR, LUDLOW, KY 41016-1712 |
| Document Number | 0000000108 |
| Book / Page | 000048 / 000798 |
| Instrument Date | Oct 7, 2020 |
| Instrument | 108 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $238.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 113 E 5TH ST #A NEWPORT KY 410711717, A, NEWPORT, KY 41071-1717 |
| Document Number | 109 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 00M110/000823 |
| Instrument | 109 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 12, 2050 |
The 2025 property tax bill for 628 Riversbreeze Dr was $3,101.
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 | $237,500 (-) Building $237,500 | $237,500 (-) Building $237,500 | |
| 2025 | $3,101.00 | $237,500 Building $237,500 | $237,500 Building $237,500 |
| 2023 | $3,056.00 | $237,500 Building $237,500 | $237,500 Building $237,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 628 Riversbreeze Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2024 · other causes |
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 628 Riversbreeze Dr 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 |
| 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 95 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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