Kenton County property record for 840 Oak St, Ludlow, KY 41016 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 1930 |
| Square Footage | 1,728 sqft Finished Area |
| Lot Size | 6,534 sqft (0.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $205,000 (2019) |
| Tax Bill | $2,677.00 (2025) |
| Primary APN | 026-41-07-005.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 2 Partial Baths |
| Building Area | 1,728 sqft Finished Area |
| Gross Area | 2,064 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1930 |
|---|---|
| Exterior Material | Combination Exterior |
| Foundation Type | Block Foundation |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,534 sqft (0.15 acres) |
| Cooling System | Wall Unit Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Old Parcel Number | 0264107005.00 |
|---|---|
| Street Address | 840 OAK ST |
| City | LUDLOW |
| State | KY |
| Zip | 41016-1352 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LUDLOW LAGOON LOTS 49-50 |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Lot Number | 49-50 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | COVINGTON |
| Census Blockgroup | 4 |
| Census Block | 4026 |
| Census Tract | 66900 |
Source: Kenton County records · APN 026-41-07-005.00
Assessment roll updated April 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 840 OAK ST, LUDLOW, KY 41016-1352 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 17, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CHURCHILL MTG |
| Mar 13, 2019 | Warranty Deed, Construction Loan · Building or Construction Mortgage MM LNDG |
| Dec 13, 2018 | Warranty Deed, Transfer OTHER |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 17, 2019 · Amount on Record |
| Deed Sale | Sep 17, 2019 · Amount on Record |
| Prior Sale | Mar 13, 2019 · Amount on Record |
| Deed Doc Number | 0006755319 |
| Deed Book / Page | 6755 / 319 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 17, 2019 |
| Property Address | 840 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0000000287 |
| Book / Page | 0C6755 / 000319 |
| Instrument Date | Sep 13, 2019 |
| Instrument | 287 |
| Transaction Type | Transfer |
| Record Updated | Oct 01, 2019 |
| Title Company | NORTHWEST TITLE AGENCY INC, NORTHWEST TITLE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $205.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 840 OAK ST LUDLOW KY 410161352, LUDLOW, KY 41016-1352 |
| Document Number | 288 |
|---|---|
| Date | Sep 17, 2019 |
| Book Page | 0C6755/000322 |
| Instrument | 288 |
| Name | CHURCHILL MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRENTWOOD, TN 37027 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 16, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 13, 2019 |
| Property Address | 840 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0000000145 |
| Book / Page | 0C6617 / 000046 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 145 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 01, 2019 |
| Title Company | AMERICAN HOMELAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $58.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 56 ORPHANAGE RD FORT MITCHELL KY 410173128, FORT MITCHELL, KY 41017-3128 |
| Document Number | 148 |
|---|---|
| Date | Mar 13, 2019 |
| Book Page | 0C6617/000049 |
| Instrument | 148 |
| Name | MM LNDG |
|---|---|
| Address | LOUISVILLE, KY 40207 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 12, 2020 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 13, 2018 |
| Property Address | 840 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0000000078 |
| Book / Page | 0C6563 / 000148 |
| Instrument Date | Dec 13, 2018 |
| Instrument | 78 |
| Transaction Type | Transfer |
| Record Updated | Jan 02, 2019 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 840 OAK ST LUDLOW KY 410161352, LUDLOW, KY 41016-1352 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,677.00 (+1.48%) | $205,000 (-) Land $10,000 Building $195,000 | $205,000 (-) Land $10,000 Building $195,000 |
| 2023 | $2,638.00 | $205,000 Land $10,000 Building $195,000 | $205,000 Land $10,000 Building $195,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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