Kenton County property record for 815 Oak St, Ludlow, KY 41016
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 3,055 sqft · built 1920 |
| Lot Size | 0.038 acres (1,675 sqft) |
| Owner | Company Name on Record |
| Last Sale | $250,000 (Apr 2026) |
| Tax Bill | $1,306 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Line of Credit Dec 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 026-32-15-002.00 |
| Primary APN | 026-32-15-002.00 |
|---|
| Building Area | 3,055 sqft Finished Area |
|---|
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 1,675 sqft (0.038 acres) |
| Lot Dimensions | 67 ft deep x 25 ft wide |
| Street Address | 815 OAK ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1351 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | LUDLOW LAGOON N 25'X 67' LOT 81 |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Lot Number | 81 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 828 WINGATE DR, CINCINNATI, OH 45245-2196 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Apr 29, 2026 | Warranty Deed, Transfer · Line of Credit WESBANCO BANK INC |
| Dec 21, 2018 | Grant Deed, Construction Loan · Line of Credit BMO HARRIS BK NA |
| Jan 22, 2018 | Grant Deed, Transfer · Conventional Mortgage WAYNE G & RUTH THOMAS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2026 · Amount on Record |
| Deed Sale | Apr 29, 2026 · Amount on Record |
| Prior Sale | Jan 22, 2018 · Amount on Record |
| Deed Document Number | 202604298351 |
| Deed Book / Page | 419 / 687 |
| Prior Transfer Date | Jan 18, 2018 |
| Prior Transfer Doc | 0005900222 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 29, 2026 |
| Property Address | 815 OAK ST, LUDLOW, KY 41016-1351 |
| Document Number | 0000008351 |
| Book / Page | 419 / 687 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 2026.8351 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | WESBANCO TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25,250.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 828 WINGATE DR, CINCINNATI, OH 45245-2196 |
| Document Number | 0000008352, |
|---|---|
| Date | Apr 29, 2026 |
| Book Page | 419/692 |
| Instrument | 2026.04.29.8352 |
| Name | WESBANCO BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 14, 2031 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 21, 2018 |
| Property Address | 815 OAK ST, LUDLOW, KY 41016-1351 |
| Book / Page | 0I4208 / 000024 |
| Instrument Date | Dec 20, 2018 |
| Instrument | 222 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3033 EXCELSIOR BLVD MINNEAPOLIS MN 554164688, MINNEAPOLIS, MN 55416-4688 |
| Document Number | 0000000222 |
|---|---|
| Date | Dec 21, 2018 |
| Book Page | 0I4208/000024 |
| Instrument | 222 |
| Name | BMO HARRIS BK NA |
|---|---|
| Type | Bank |
| Address | 50 S 6TH ST # 1000, MINNEAPOLIS, MN 55402-1500 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Dec 20, 2021 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 22, 2018 |
| Property Address | 815 OAK ST, LUDLOW, KY 41016-1351 |
| Document Number | 0000000222 |
| Book / Page | ORC633 / 000181 |
| Instrument Date | Jan 18, 2018 |
| Instrument | 222 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2018 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $90.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 815 PA-STREET LUDLOW KY 41016, LUDLOW, KY 41016 |
| Document Number | 223 |
|---|---|
| Date | Jan 22, 2018 |
| Book Page | 0C6338/000184 |
| Instrument | 223 |
| Name | WAYNE G & RUTH THOMAS |
|---|---|
| Address | 209 W DILCREST CIR, FLORENCE, KY 41042-9660 |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Jan 21, 2021 |
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 | $100,000 (-) Land $15,000 Building $85,000 | $100,000 (-) Land $15,000 Building $85,000 | |
| 2025 | $1,306.00 (+1.48%) | $100,000 (-) Land $15,000 Building $85,000 | $100,000 (-) Land $15,000 Building $85,000 |
| 2023 | $1,287.00 | $100,000 Land $15,000 Building $85,000 | $100,000 Land $15,000 Building $85,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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