Kenton County property record for 736 Oak St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,120 sqft · built 1910 |
| Lot Size | 0.073 acres (3,188 sqft) |
| Owner | Individual Name on File |
| Last Sale | $170,000 (Dec 2021) |
| Tax Bill | $2,220 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Dec 2017 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-32-03-031.00 |
| Primary APN | 026-32-03-031.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,120 sqft Finished Area |
| Gross Area | 1,298 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,188 sqft (0.073 acres) |
| Lot Dimensions | 127 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 736 OAK ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW LAGOON LOT 493 25'X 127.5' NS OAK 50' E DEVERILL |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Lot Number | 493 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 66900 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 736 OAK ST, LUDLOW, KY 41016-1350 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 6, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Dec 14, 2017 | Grant Deed, Transfer · Conventional with PMI REGIONS MTG |
| Oct 6, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 27, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2021 · Amount on File |
| Deed Sale | Dec 6, 2021 · Amount on File |
| Prior Sale | Dec 14, 2017 · Amount on File |
| Deed Document Number | 20215900142 |
| Deed Book / Page | 135 / 197 |
| Prior Transfer Date | Oct 3, 2017 |
| Prior Transfer Doc | 0005900155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 6, 2021 |
| Property Address | 736 OAK ST, LUDLOW, KY 41016-1350 |
| Document Number | 0005900142 |
| Book / Page | 135 / 197 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 21120605900142 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2021 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1939 OAKLAND AVE, 1939, COVINGTON, KY 41014-1473 |
| Name | Verified Name |
|---|---|
| Address | 736 OAK ST, LUDLOW, KY 41016-1350 |
| Document Number | 0005900143 |
|---|---|
| Date | Dec 6, 2021 |
| Instrument | 21120605900143 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 14, 2017 |
| Property Address | 736 OAK ST, LUDLOW, KY 41016-1350 |
| Document Number | 0000000118 |
| Book / Page | 0C6315 / 000305 |
| Instrument Date | Dec 13, 2017 |
| Instrument | 118 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2018 |
| Title Company | MATINGLY FORD TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $116.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 736 OAK ST LUDLOW KY 410161350, LUDLOW, KY 41016-1350 |
| Document Number | 119 |
|---|---|
| Date | Dec 14, 2017 |
| Book Page | 0C6315/000308 |
| Instrument | 119 |
| Name | REGIONS MTG |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 13, 2047 |
| Document Number | 121, |
|---|---|
| Date | Dec 14, 2017 |
| Book Page | 0C6315/000327 |
| Instrument | 121 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | COVINGTON, KY |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Dec 13, 2022 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 6, 2017 |
| Property Address | 736 OAK ST, LUDLOW, KY 41016-1350 |
| Document Number | 0000000155 |
| Book / Page | 0G6288 / 000316 |
| Instrument Date | Oct 3, 2017 |
| Instrument | 155 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $3.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 736 OAK ST LUDLOW KY 410161350, LUDLOW, KY 41016-1350 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 27, 2017 |
| Property Address | 736 OAK ST, LUDLOW, KY 41016-1350 |
| Document Number | 0000000013 |
| Book / Page | 0C6256 / 000229 |
| Instrument Date | Sep 5, 2017 |
| Instrument | 13 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $55.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3505 COLUMBIA PKWY #125 CINCINNATI OH 452262188, 125, CINCINNATI, OH 45226-2188 |
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 | $170,000 (-) Land $15,000 Building $155,000 | $170,000 (-) Land $15,000 Building $155,000 | |
| 2025 | $2,220.00 (+1.51%) | $170,000 (-) Land $10,000 Building $160,000 | $170,000 (-) Land $10,000 Building $160,000 |
| 2023 | $2,187.00 | $170,000 Land $10,000 Building $160,000 | $170,000 Land $10,000 Building $160,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 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 |
|
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.
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 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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