Kenton County property record for 850 Oak St, Ludlow, KY 41016 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 755 sqft · built 1922 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $172,000 (Mar 2025) |
| Tax Bill | $1,149 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Nov 2025 Mortgage + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 026-41-07-009.00 |
| Primary APN | 026-41-07-009.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 755 sqft Finished Area |
| Gross Area | 1,061 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 128 ft deep x 26 ft wide |
| 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 | 850 OAK ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW LAGOON S 24' LOT 55 & N 2' LOT 56 |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Lot Number | 55,56 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 66900 |
Source: Kenton County records · APN 026-41-07-009.00
Assessment roll updated December 2, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 850 OAK ST, LUDLOW, KY 41016-1352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Nov 04, 2025 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC |
| Nov 04, 2025 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC |
| Mar 08, 2024 | Deed of Trust, Mortgage · VA Mortgage UNITED TRUST BANK |
| Mar 30, 2023 | Deed of Trust, Mortgage · VA Mortgage UNITED TRUST BANK |
| May 26, 2021 | Deed of Trust, Mortgage · VA Mortgage THE HUNTINGTON NATIONAL BANK |
| Mar 12, 2018 | Warranty Deed, Transfer · VA Mortgage RESIDENTIAL MTG LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 07, 2025 · Amount on Record |
| Deed Sale | Mar 07, 2025 · Amount on Record |
| Prior Sale | Mar 12, 2018 · Amount on Record |
| Deed Document Number | 2025264 |
| Deed Book / Page | 332 / 569 |
| Prior Transfer Date | Nov 10, 2015 |
| Prior Transfer Doc | 0005900152 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 850 OAK ST, LUDLOW, KY 41016-1352 |
| Transaction Type | Mortgage |
| Record Updated | Dec 03, 2025 |
| Name | Verified Name |
|---|---|
| Address | 850 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0005900135 |
|---|---|
| Date | Nov 04, 2025 |
| Book Page | KCM 703/674 |
| Instrument | 25110405900135 |
| Name | MORTGAGE SOLUTIONS OF COLORADO LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLORADO SPRINGS, CO 80920 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 850 OAK ST, LUDLOW, KY 41016-1352 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2025 |
| Name | Verified Name |
|---|---|
| Address | 850 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0005900135 |
|---|---|
| Date | Nov 04, 2025 |
| Book Page | KCM 703/674 |
| Instrument | 25110405900135 |
| Name | MORTGAGE SOLUTIONS OF COLORADO LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLORADO SPRINGS, CO 80920 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 850 OAK ST, LUDLOW, KY 41016-1352 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Title Company | ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900006 |
|---|---|
| Date | Mar 08, 2024 |
| Book Page | KCM 531/438 |
| Instrument | 24030805900006 |
| Name | UNITED TRUST BANK |
|---|---|
| Type | Bank |
| Address | PALOS HEIGHTS, IL 60463 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 850 OAK ST, LUDLOW, KY 41016-1352 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005900212 |
|---|---|
| Date | Mar 30, 2023 |
| Book Page | KCM 450/113 |
| Instrument | 23033005900212 |
| Name | UNITED TRUST BANK |
|---|---|
| Type | Bank |
| Address | PALOS HEIGHTS, IL 60463 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 850 OAK ST, LUDLOW, KY 41016-1352 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2021 |
| Title Company | PATRIOT TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0005900070 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 220/320 |
| Instrument | 21052605900070 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 12, 2018 |
| Property Address | 850 OAK ST, LUDLOW, KY 41016-1352 |
| Document Number | 0000000121 |
| Book / Page | 0C6369 / 000118 |
| Instrument Date | Mar 09, 2018 |
| Instrument | 121 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $77.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 850 OAK ST LUDLOW KY 410161352, LUDLOW, KY 41016-1352 |
| Document Number | 123 |
|---|---|
| Date | Mar 12, 2018 |
| Book Page | 0C6369/000121 |
| Instrument | 123 |
| Name | RESIDENTIAL MTG LNDG |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45247 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 11, 2048 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| 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 | $1,149.00 (+1.5%) | $88,000 (-) Land $10,000 Building $78,000 | $88,000 (-) Land $10,000 Building $78,000 |
| 2023 | $1,132.00 | $88,000 Land $10,000 Building $78,000 | $88,000 Land $10,000 Building $78,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170669004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 19 individual NFIP policies nearby |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 26 (1978–2025) |
| Claims Outside the SFHA | 1 of 26 |
| Most Recent Claim | Apr 2025, rainfall accumulation, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims By Storm |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 719 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cincinnati Bell | Fiber | 3,000 / 3,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures