Kenton County property record for 816 Laurel St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,938 sqft · built 1900 |
| Lot Size | 0.063 acres (2,730 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $116,500 (Jul 2018) |
| Tax Bill | $1,763 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-41-10-027.00 |
| Primary APN | 026-41-10-027.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,938 sqft Finished Area |
| Gross Area | 2,123 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Composition Shingle |
| Lot Area | 2,730 sqft (0.063 acres) |
| Lot Dimensions | 91 ft deep x 30 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Street Address | 816 LAUREL ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1342 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW LAGOON PT LOT 89 30'X 91' NEC LAUREL & PARK |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Lot Number | 89 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 66900 |
Source: Kenton County records, 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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 816 LAUREL ST, LUDLOW, KY 41016-1342 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Jul 11, 2018 | Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 11, 2018 · Amount on Record |
| Deed Sale | Jul 11, 2018 · Amount on Record |
| Prior Sale | Mar 19, 2012 · Amount on Record |
| Deed Document Number | 201807 11 059 00016 |
| Deed Book / Page | 6450 / 77 |
| Prior Transfer Date | May 16, 2005 |
| Prior Transfer Doc | 0005900323 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 816 LAUREL ST, LUDLOW, KY 41016-1342 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005900329 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 275/396 |
| Instrument | 21092205900329 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 11, 2018 |
| Property Address | 816 LAUREL ST, LUDLOW, KY 41016-1342 |
| Document Number | 0000000016 |
| Book / Page | 0C6450 / 000077 |
| Instrument Date | Jul 6, 2018 |
| Instrument | 16 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $116.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 816 LAUREL ST LUDLOW KY 410161342, LUDLOW, KY 41016-1342 |
| Document Number | 17 |
|---|---|
| Date | Jul 11, 2018 |
| Book Page | 0C6450/000081 |
| Instrument | 17 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 10, 2048 |
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 |
|---|---|---|---|
| 2025 | $1,763.00 (+1.5%) | $135,000 (-) Land $10,000 Building $125,000 | $135,000 (-) Land $10,000 Building $125,000 |
| 2023 | $1,737.00 (+0.87%) | $135,000 (-) Land $10,000 Building $125,000 | $135,000 (-) Land $10,000 Building $125,000 |
| 2022 | $1,722.00 | $135,000 Land $10,000 Building $125,000 | $135,000 Land $10,000 Building $125,000 |
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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