Kenton County property record for 814 Laurel St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 726 sqft · built 1920 |
| Lot Size | 0.084 acres (3,640 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $105,000 (Apr 2022) |
| Tax Bill | $1,371 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Apr 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-41-10-026.00 |
| Primary APN | 026-41-10-026.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 726 sqft Finished Area |
| Gross Area | 1,095 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,640 sqft (0.084 acres) |
| Lot Dimensions | 91 ft deep x 40 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 814 LAUREL ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1342 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW LAGOON PT LOTS 90-91 40'X 91' NS LAUREL 30' E PARK |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Lot Number | 90,91 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2021 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9846 MELODY DR, UNION, KY 41091-6902 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 19, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Sep 1, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Apr 11, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK (WSTN MICHIGAN) |
| Sep 5, 2017 | Warranty Deed, Transfer PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2022 · Amount on Record |
| Deed Sale | Apr 19, 2022 · Amount on Record |
| Prior Sale | Sep 1, 2020 · Amount on Record |
| Deed Document Number | 2022223 |
| Deed Book / Page | 160 / 636 |
| Prior Transfer Date | Apr 14, 2022 |
| Prior Transfer Doc | 0005900223 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 814 LAUREL ST, LUDLOW, KY 41016-1342 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900053 |
|---|---|
| Date | Jun 27, 2022 |
| Book Page | 383/285 |
| Instrument | 22062705900053 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 19, 2022 |
| Property Address | 814 LAUREL ST, LUDLOW, KY 41016-1342 |
| Document Number | 0005900223 |
| Book / Page | 160 / 634 |
| Instrument Date | Apr 14, 2022 |
| Instrument | 22041905900223 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9846 MELODY DR, 9846, UNION, KY 41091-6902 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9846 MELODY DR, UNION, KY 41091-6902 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 1, 2020 |
| Property Address | 814 LAUREL ST, LUDLOW, KY 41016-1342 |
| Document Number | 0000000034 |
| Book / Page | 000040 / 000890 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 34 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $105.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 9846 MELODY DR UNION KY 410916902, UNION, KY 41091-6902 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 814 LAUREL ST, LUDLOW, KY 41016-1342 |
| Document Number | 0000000086 |
| Instrument Date | Apr 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 814 LAUREL ST LUDLOW KY 410161342, LUDLOW, KY 41016-1342 |
| Document Number | 0000000086 |
|---|---|
| Date | May 1, 2019 |
| Book Page | 0C6650/000317 |
| Instrument | 86 |
| Name | FIFTH THIRD BK (WSTN MICHIGAN) |
|---|---|
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 30, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 5, 2017 |
| Property Address | 814 LAUREL ST, LUDLOW, KY 41016-1342 |
| Document Number | 0000000110 |
| Book / Page | 0C6240 / 000003 |
| Instrument Date | Aug 30, 2017 |
| Instrument | 110 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $90.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 814 LAUREL ST LUDLOW KY 410161342, LUDLOW, KY 41016-1342 |
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 | $116,600 (+11.05%) Land $15,000 Building $101,600 | $116,600 (+11.05%) Land $15,000 Building $101,600 | |
| 2025 | $1,371.00 (+1.48%) | $105,000 (-) Land $10,000 Building $95,000 | $105,000 (-) Land $10,000 Building $95,000 |
| 2023 | $1,351.00 | $105,000 Land $10,000 Building $95,000 | $105,000 Land $10,000 Building $95,000 |
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 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 | Direct burnable vegetation |
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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