Kenton County property record for 828 Oak St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,618 sqft · built 1900 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Trust Name on File |
| Last Sale | $32,500 (Oct 2009) |
| Tax Bill | $1,580 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 026-32-02-021.00 |
| Primary APN | 026-32-02-021.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,618 sqft Finished Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 828 OAK ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW LAGOON LOT 44 |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Lot Number | 44 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 66900 |
828 Oak St is held in a trust since October 2009.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 3097 ARBOR DR, EDGEWOOD, KY 41017-2359 |
| Owner Type | Individual |
| Vesting | Trust |
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 | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2009 · Amount on File |
| Deed Sale | Oct 28, 2009 · Amount on File |
| Prior Sale | Sep 24, 2009 · Amount on File |
| Deed Document Number | 200910 28 059 00055 |
| Deed Book / Page | 4151 / 48 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 828 Oak St was $1,580.
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 | $185,200 (+53.06%) Land $15,000 Building $170,200 | $185,200 (+53.06%) Land $15,000 Building $170,200 | |
| 2025 | $1,580.00 | $121,000 Land $10,000 Building $111,000 | $121,000 Land $10,000 Building $111,000 |
| 2023 | $1,557.00 | $121,000 Land $10,000 Building $111,000 | $121,000 Land $10,000 Building $111,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 828 Oak St in Zone X, an area of moderate flood risk, within 100 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 26 (1978–2025) |
| Claims Outside the SFHA | 1 of 26 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 Oak 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 | 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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