Kenton County property record for 828 Laurel St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,233 sqft · built 1920 |
| Lot Size | 0.084 acres (3,675 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (Feb 2004) |
| Tax Bill | $1,893 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-41-11-022.00 |
| Primary APN | 026-41-11-022.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,233 sqft Finished Area |
| Gross Area | 1,702 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,675 sqft (0.084 acres) |
| Lot Dimensions | 105 ft deep x 35 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 828 LAUREL ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1374 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW LAGOON PT LOTS 146 THRU 149 35'X 105' SW COR PARK & LAUREL |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Phase | 49 |
| Legal Lot Number | 146 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 66900 |
828 Laurel St is owned and occupied by two individuals who bought it in February 2004.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 828 LAUREL ST, LUDLOW, KY 41016-1374 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2004 · Amount on File |
| Deed Sale | Feb 24, 2004 · Amount on File |
| Prior Sale | Nov 30, 2001 · Amount on File |
| Deed Document Number | 200402 24 059 00019 |
| Deed Book / Page | 2060 / 220 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 828 LAUREL ST, LUDLOW, KY 41016-1374 |
| Document Number | 0000000246 |
| Instrument Date | Oct 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 828 LAUREL ST LUDLOW KY 410161374, LUDLOW, KY 41016-1374 |
| Document Number | 0000000246 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | 006782/000044 |
| Instrument | 246 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 17, 2039 |
The 2025 property tax bill for 828 Laurel St was $1,893.
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 | $158,000 (+8.97%) Land $15,000 Building $143,000 | $158,000 (+8.97%) Land $15,000 Building $143,000 | |
| 2025 | $1,893.00 | $145,000 Land $10,000 Building $135,000 | $145,000 Land $10,000 Building $135,000 |
| 2023 | $1,866.00 | $145,000 Land $10,000 Building $135,000 | $145,000 Land $10,000 Building $135,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 828 Laurel St in Zone X, an area of minimal flood risk, within 500 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 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.
Wildfire risk around 828 Laurel 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 | 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures