734 Oak St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 734 Oak St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,500 sqft · built 1915
Lot Size	0.076 acres (3,315 sqft)
Owner	2 Individual Names on File
Last Sale	$182,500 (Jun 2021)
Tax Bill	$2,383 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-32-03-030.00`

Property Details

APN / Parcel Number

Primary APN	`026-32-03-030.00`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,500 sqft Finished Area
Gross Area	2,100 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,315 sqft (0.076 acres)
Lot Dimensions	127 ft deep x 26 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	734 OAK ST
City	LUDLOW
State	KY
Zip	41016-1350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW LAGOON LOT 492 26'X 127.5' NS OAK 399' W END SEC PART
Legal Subdivision	LUDLOW LAGOON LAND
Legal Lot Number	492
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4018
Census Tract	66900

Owner

734 Oak St is owned and occupied by two individuals who bought it in June 2021.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	734 OAK ST, LUDLOW, KY 41016-1350
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2021 · Amount on File
Deed Sale	Jun 10, 2021 · Amount on File
Prior Sale	Sep 8, 2008 · Amount on File
Deed Document Number	20215900049
Deed Book / Page	97 / 40
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 10, 2021
Property Address	734 OAK ST, LUDLOW, KY 41016-1350
Document Number	0005900049
Book / Page	97 / 40
Instrument Date	Jun 7, 2021
Instrument	21061005900049
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3086 ARBOR DR, 3086, EDGEWOOD, KY 41017-2355

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	734 OAK ST, LUDLOW, KY 41016-1350

Mortgage

Document Number	0005900050
Date	Jun 10, 2021
Book Page	229/203
Instrument	21061005900050

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 734 Oak St was $2,383.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Ludlow City
Unified School District	Ludlow Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$182,500 (-) Land $15,000 Building $167,500	$182,500 (-) Land $15,000 Building $167,500
2025	$2,383.00	$182,500 Land $10,000 Building $172,500	$182,500 Land $10,000 Building $172,500
2023	$2,348.00	$182,500 Land $10,000 Building $172,500	$182,500 Land $10,000 Building $172,500

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

Flood

FEMA maps place 734 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	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 5 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 9 claims

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

Wildfire risk around 734 Oak 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
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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