Kenton County property record for 830 Oak St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,288 sqft · built 1950 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $149,000 (Mar 2023) |
| Tax Bill | $2,376 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 026-32-02-022.00 |
| Primary APN | 026-32-02-022.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,288 sqft Finished Area |
| Gross Area | 1,562 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 830 OAK ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW LAGOON LOT 45 |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Lot Number | 45 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4026 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 830 OAK ST, LUDLOW, KY 41016-1352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC |
| Jun 11, 2018 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FIN'L CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2023 · Amount on Record |
| Deed Sale | Mar 28, 2023 · Amount on Record |
| Prior Sale | Jun 11, 2018 · Amount on Record |
| Deed Document Number | 2023175 |
| Deed Book / Page | 219 / 767 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 28, 2023 |
| Property Address | 830 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0005900175 |
| Book / Page | KC 219 / 767 |
| Map Reference | PL 163 |
| Instrument Date | Mar 24, 2023 |
| Instrument | 23032805900175 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2023 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 HAY ST, LUDLOW, KY 41016-1575 |
| Name | Verified Name |
|---|---|
| Address | 830 OAK ST, LUDLOW, KY 41016-1352 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900176 |
|---|---|
| Date | Mar 28, 2023 |
| Instrument | 23032805900176 |
| Name | SUCCESS MORTGAGE PARTNERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 11, 2018 |
| Property Address | 830 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0000000087 |
| Book / Page | 0C6428 / 000205 |
| Instrument Date | Jun 8, 2018 |
| Instrument | 87 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $99.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 830 OAK ST LUDLOW KY 410161352, LUDLOW, KY 41016-1352 |
| Document Number | 88 |
|---|---|
| Date | Jun 11, 2018 |
| Book Page | 0C6428/000207 |
| Instrument | 88 |
| Name | AMERIFIRST FIN'L CORP |
|---|---|
| Address | KALAMAZOO, MI 49002 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 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 |
|---|---|---|---|
| 2026 | $100,000 (-45.05%) Land $15,000 Building $85,000 | $100,000 (-45.05%) Land $15,000 Building $85,000 | |
| 2025 | $2,376.00 (+67.92%) | $182,000 (+65.45%) Land $10,000 Building $172,000 | $182,000 (+65.45%) Land $10,000 Building $172,000 |
| 2023 | $1,415.00 | $110,000 Land $10,000 Building $100,000 | $110,000 Land $10,000 Building $100,000 |
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 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 Record 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.
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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