Kenton County property record for 813 Oak St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,000 sqft · built 1900 |
| Lot Size | 0.038 acres (1,675 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $156,000 (Sep 2024) |
| Tax Bill | $2,037 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Sep 2023 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 026-32-15-003.00 |
| Primary APN | 026-32-15-003.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,000 sqft Finished Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 1,675 sqft (0.038 acres) |
| Lot Dimensions | 67 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 813 OAK ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1351 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW LAGOON PT LOT 82 25'X 67' |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Lot Number | 82 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 66900 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 813 OAK ST, LUDLOW, KY 41016-1351 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Nov 17, 2023 | Deed of Trust, Mortgage · Line of Credit DAVID RYAN GRISTEAD |
| Sep 8, 2023 | Deed of Trust, Mortgage · Line of Credit KRYSTIE OBRIEN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2024 · Amount on Record |
| Deed Sale | Sep 6, 2024 · Amount on Record |
| Prior Sale | Sep 8, 2023 · Amount on Record |
| Deed Document Number | 2024136 |
| Deed Book / Page | 303 / 733 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 813 OAK ST, LUDLOW, KY 41016-1351 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005900200 |
|---|---|
| Date | Nov 17, 2023 |
| Book Page | KCM 508/208 |
| Instrument | 23111705900200 |
| Name | DAVID RYAN GRISTEAD |
|---|---|
| Type | Private Party |
| Address | 12411 SHEPPARD WAY, WALTON, KY 41094 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Nov 14, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 813 OAK ST, LUDLOW, KY 41016-1351 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005900144 |
|---|---|
| Date | Sep 8, 2023 |
| Book Page | KCM 490/628 |
| Instrument | 23090805900144 |
| Name | KRYSTIE OBRIEN |
|---|---|
| Type | Private Party |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Aug 30, 2024 |
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 | $156,000 (-) Land $15,000 Building $141,000 | $156,000 (-) Land $15,000 Building $141,000 | |
| 2025 | $2,037.00 (+310.69%) | $156,000 (+83.53%) Land $10,000 Building $146,000 | $156,000 (+83.53%) Land $10,000 Building $146,000 |
| 2023 | $496.00 Homeowner's exemption | $85,000 Land $10,000 Building $75,000 | $85,000 Land $10,000 Building $75,000 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (1997) |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, And Tornadoes |
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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