Kenton County property record for 806 Oak St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,408 sqft · built 1910 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $159,900 (May 2021) |
| Tax Bill | $2,088 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Mar 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 026-32-02-013.00 |
| Primary APN | 026-32-02-013.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,408 sqft Finished Area |
| Gross Area | 1,556 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 806 OAK ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW LAGOON LOT 33 |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Lot Number | 33 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 66900 |
806 Oak St is owned and occupied by an individual who bought it in May 2021.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 806 OAK ST, LUDLOW, KY 41016-1352 |
| 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.
| Date | Document |
|---|---|
| May 5, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Mar 7, 2019 | Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG |
| Jul 19, 2018 | Warranty Deed, Transfer LAWYERS TITLE/CINCINNATI INC |
| Apr 10, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2021 · Amount on File |
| Deed Sale | May 5, 2021 · Amount on File |
| Prior Sale | Mar 7, 2019 · Amount on File |
| Deed Document Number | 20215900059 |
| Deed Book / Page | 88 / 450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 5, 2021 |
| Property Address | 806 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0005900059 |
| Book / Page | 88 / 450 |
| Instrument Date | Apr 29, 2021 |
| Instrument | 21050505900059 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 114 VEMON DRIVE, 114, CRESTVIEW HILLS, KY 41017 |
| Name | Verified Name |
|---|---|
| Address | 806 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0005900060 |
|---|---|
| Date | May 5, 2021 |
| Instrument | 21050505900060 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Number | 0005900061 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 211/660 |
| Instrument | 21050505900061 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 7, 2019 |
| Property Address | 806 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0000000048 |
| Book / Page | 0C6613 / 000204 |
| Instrument Date | Feb 27, 2019 |
| Instrument | 48 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 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 | $87.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 806 OAK ST LUDLOW KY 410161352, LUDLOW, KY 41016-1352 |
| Document Number | 49 |
|---|---|
| Date | Mar 7, 2019 |
| Book Page | 0C6613/000208 |
| Instrument | 49 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 6, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 19, 2018 |
| Property Address | 806 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0000000103 |
| Book / Page | 0C6456 / 000144 |
| Instrument Date | Jul 10, 2018 |
| Instrument | 103 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2018 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount on Record |
|---|---|
| Tax | $57.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 13305 RED ROCK RD RENO NV 895089551, RENO, NV 89508-9551 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 10, 2018 |
| Property Address | 806 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0000000274 |
| Book / Page | 0C6387 / 000284 |
| Instrument Date | Mar 28, 2018 |
| Instrument | 274 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 806 OAK ST LUDLOW KY 410161352, LUDLOW, KY 41016-1352 |
The 2025 property tax bill for 806 Oak St was $2,088.
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 | $159,900 (-) Land $15,000 Building $144,900 | $159,900 (-) Land $15,000 Building $144,900 | |
| 2025 | $2,088.00 | $159,900 Land $10,000 Building $149,900 | $159,900 Land $10,000 Building $149,900 |
| 2023 | $2,057.00 | $159,900 Land $10,000 Building $149,900 | $159,900 Land $10,000 Building $149,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 806 Oak St in Zone X, an area of moderate flood risk, within 100 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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.
Wildfire risk around 806 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.
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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