848 Oak St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 848 Oak St, Ludlow, KY 41016 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	1 Beds
Bathrooms	1 Baths
Year Built	Built 1920
Square Footage	880 sqft Finished Area
Lot Size	3,485 sqft (0.08 acres)
Last Sale	$26,500 (2010)
Tax Bill	$848.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`026-41-07-008.00`

Interior

Bedrooms	1 Beds
Full Baths	1 Baths
Building Area	880 sqft Finished Area
Gross Area	1,189 sqft Gross Area
Stories	1 Stories

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Roof Material	Composition Shingle Roof
Lot Area	3,485 sqft (0.08 acres)
Depth X Width	127 ft x 26 ft Depth x Width

Utilities and HVAC

Cooling System	Wall Unit Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Street Address	848 OAK ST
City	LUDLOW
State	KY
Zip	41016-1352
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LUDLOW LAGOON LOT 54 & N 1' LOT 55
Legal Subdivision	LUDLOW LAGOON LAND
Legal Lot Number	54,55
Jurisdiction	KENTON KY
Minor Civil Division	COVINGTON
Census Blockgroup	4
Census Block	4026
Census Tract	66900

Owner

Source: Kenton County records · APN 026-41-07-008.00

Assessment roll updated December 2, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	5201 BELLE DR, INDEPENDENCE, KY 41051-9366
Owner Type	Owner is a Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 03, 2010 · Amount on Record
Deed Sale	Nov 03, 2010 · Amount on Record
Prior Sale	Sep 28, 2010 · Amount on Record
Deed Doc Number	201011 03 059 00319
Deed Book / Page	4434 / 156
Last Transfer Date	Jul 07, 2011
Transfer Doc	0005900248
Record Refreshed	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jul 10, 2026
Property Address	848 OAK ST, LUDLOW, KY 41016-1352
Document Number	0000014386
Book / Page	457 / 961
Instrument Date	Jun 25, 2026
Instrument	202614386
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	KENTUCKY LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$10,605.00
Amount Accuracy	Calculated from Tax (Full/Partial Unknown)
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6457 ELSINOR CT, BURLINGTON, KY 41005-7990
Investor	Possibly a Property Investor

Mortgage

Document Number	0000014387,
Date	Jul 10, 2026
Instrument	2026071014387

Lender

Agreement

Type	Building or Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Apr 01, 2027

Interest

Rate	6.53%
Max Rate	-1%

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Ludlow City
Unified School District	Ludlow Independent School District (PK - 12)

Tax Bill & Assessment History

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	$848.00 (+1.44%)	$65,000 (-) Land $10,000 Building $55,000	$65,000 (-) Land $10,000 Building $55,000
2023	$836.00	$65,000 Land $10,000 Building $55,000	$65,000 Land $10,000 Building $55,000

Flood & Wildfire

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

Flood

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

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.