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77 River Rd, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 77 River Rd, Ludlow, KY 41016

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,210 sqft · built 1955
Lot Size0.551 acres (24,000 sqft)
Owner2 Individual Names on File
Last Sale$364,000 (Dec 2024)
Tax Bill$4,823 (2025)
Deeds & MortgagesOct 2025 Mortgage
Jun 2022 Sale & Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN040-13-00-023.00

Property Details

APN / Parcel Number

Primary APN040-13-00-023.00

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories3 Stories
Building Area1,210 sqft Finished Area
Gross Area1,425 sqft

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1955
Exterior MaterialStone
Lot Area24,000 sqft (0.551 acres)
Lot Dimensions150 ft deep x 160 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address77 RIVER RD
CityLUDLOW
StateKY
Zip41016-1583
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLUDLOW I L FARM PT LOTS 11-12 160'X150'
Legal SubdivisionLUDLOW I L FARM
Legal Lot Number11,12
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1002
Census Tract63800

Owner

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

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

Owner of Record2 Individual Names on File
Mailing Address6142 HEDGE AVE, CINCINNATI, OH 45213-2304
Owner TypeIndividual
VestingRemainderman

Deeds, Mortgages & Sale History

DateDocument
Oct 16, 2025Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE INC
Jun 1, 2022Warranty Deed, Transfer · Conventional Mortgage
AMERICAN MORTGAGE SERVICE CO
May 24, 2022Intrafamily Transfer, Transfer
SPRINGDALE TITLE LLC
Mar 3, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Aug 9, 2018Grant Deed, Transfer
SERVICELINK
Mar 14, 2018Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 17, 2024 · Amount on Record
Deed SaleDec 17, 2024 · Amount on Record
Prior SaleJun 1, 2022 · Amount on Record
Deed Document Number2024134
Deed Book / Page320 / 550
Prior Transfer DateMay 20, 2022
Prior Transfer Doc0005900026
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address77 RIVER RD, LUDLOW, KY 41016-1583
Transaction TypeMortgage
Record UpdatedJul 1, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address77 RIVER RD, LUDLOW, KY 41016-1583

Mortgage

Document Number0005900138
DateOct 16, 2025
Book PageKCM 696/855
Instrument25101605900138
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2055

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJun 1, 2022
Property Address77 RIVER RD, LUDLOW, KY 41016-1583
Document Number0005900025
Book / Page168 / 357
Map ReferenceSL 153
Instrument DateMay 25, 2022
Instrument22060105900025
Transaction TypeTransfer
Record UpdatedFeb 9, 2023
Title CompanySPRINGDALE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$301.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3523 CONCORD DR, EDGEWOOD, KY 41018-2503

Transferred To (Grantee/Buyer)

NameVerified Name
Address77 RIVER RD, LUDLOW, KY 41016-1583

Mortgage

Document Number0005900026
DateJun 1, 2022
Book Page374/713
Instrument22060105900026
Lender
NameAMERICAN MORTGAGE SERVICE CO
TypeMortgage Company
AddressCINCINNATI, OH 45246
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2052

May 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKENTON KY
Recording DateMay 24, 2022
Property Address77 RIVER RD, LUDLOW, KY 41016-1583
Document Number0005900026
Book / Page166 / 712
Map ReferenceMB 916 PG 186
Instrument DateMay 20, 2022
Instrument22052405900026
Transaction TypeTransfer
Record UpdatedFeb 9, 2023
Title CompanySPRINGDALE TITLE LLC

Transaction

Tax$4.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address77 RIVER RD # 75, 75, LUDLOW, KY 41016-1583

Transferred To (Grantee/Buyer)

NameVerified Name
Address77 RIVER RD, LUDLOW, KY 41016-1583

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateMar 3, 2020
Property Address77 RIVER RD, LUDLOW, KY 41016-1583
Document Number0000000039
Book / Page000009 / 000468
Instrument DateFeb 24, 2020
Instrument39
Transaction TypeTransfer
Record UpdatedMar 19, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address77 RIVER RD LUDLOW KY 410161583, LUDLOW, KY 41016-1583

August 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateAug 9, 2018
Property Address77 RIVER RD, LUDLOW, KY 41016-1583
Document Number0000000095
Book / Page0C6474 / 000036
Instrument DateJun 27, 2018
Instrument95
Transaction TypeTransfer
Record UpdatedAug 28, 2018
Title CompanySERVICELINK

Transaction

AmountAmount Recorded
Tax$30.70
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address77 RIVER RD LUDLOW KY 410161583, LUDLOW, KY 41016-1583

March 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionKENTON KY
Recording DateMar 14, 2018
Property Address77 RIVER RD, LUDLOW, KY 41016-1583
Document Number0000000004
Book / Page0C6370 / 000132
Instrument DateFeb 12, 2018
Instrument4
Transaction TypeForeclosure
Record UpdatedMar 26, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$40.00
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address38 FOUNTAIN SQUARE PLZ CINCINNATI OH 452023102, CINCINNATI, OH 45202-3102

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictCovington Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,823.00 (+20.24%)$364,000 (+20.85%) Land $50,700 Building $313,300$364,000 (+20.85%) Land $50,700 Building $313,300
2023$4,011.00$301,200 Land $50,700 Building $250,500$301,200 Land $50,700 Building $250,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
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, 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 471 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cincinnati Bell
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile USA
Fixed Wireless		100 / 20

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