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

Kenton County property record for 852 Oak St, Ludlow, KY 41016 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms1 Beds
Bathrooms1 Baths
Year BuiltBuilt 1920
Square Footage496 sqft Finished Area
Lot Size3,049 sqft (0.069 acres)
OccupancyOwner Occupied
Last Sale$75,000 (2018)
Tax Bill$979.00 (2025)

Property Details

APN / Parcel Number

Primary APN026-41-07-010.00

Interior

Bedrooms1 Beds
Full Baths1 Baths
Building Area496 sqft Finished Area
Gross Area1,129 sqft Gross Area
Stories1 Stories

Exterior

Year BuiltBuilt 1920
Exterior MaterialAluminum/Vinyl Exterior
Foundation TypeBlock Foundation
Roof MaterialComposition Shingle Roof
Lot Area3,049 sqft (0.069 acres)
Depth X Width128 ft x 23 ft Depth x Width

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating
Heating FuelGas Heating Fuel
SewageSewage Connected
Water SourceYes (Unknown Type) Water Source

Location & Zoning

Old Parcel Number0264107010.00
Street Address852 OAK ST
CityLUDLOW
StateKY
Zip41016-1352
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLUDLOW LAGOON S 23' LOT 56
Legal SubdivisionLUDLOW LAGOON LAND
Legal Lot Number56
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup4
Census Block4026
Census Tract66900

Owner

Source: Kenton County records · APN 026-41-07-010.00

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 RecordIndividual Name on File
Mailing Address852 OAK ST, LUDLOW, KY 41016-1352
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 24, 2018Warranty Deed, Transfer · Conventional Mortgage
HUNTINGTON NAT'L BK
Mar 06, 2017Grant Deed, Transfer
ATTORNEY ONLY
Mar 06, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY
Jan 12, 2017Grant Deed, Transfer
SERVICELINK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 24, 2018 · Amount on Record
Deed SaleMay 24, 2018 · Amount on Record
Prior SaleMar 06, 2017 · Amount on Record
Deed Doc Number0006417150
Deed Book / Page6417 / 150
Record RefreshedJun 08, 2026

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMay 24, 2018
Property Address852 OAK ST, LUDLOW, KY 41016-1352
Document Number0000000175
Book / Page0C6417 / 000150
Instrument DateMay 21, 2018
Instrument175
Transaction TypeTransfer
Record UpdatedJun 18, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$75.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address852 OAK ST LUDLOW KY 410161352, LUDLOW, KY 41016-1352

Mortgage

Document Number176
DateMay 24, 2018
Book Page0C6417/000153
Instrument176
Lender
NameHUNTINGTON NAT'L BK
TypeBank
AddressCOLUMBUS, OH 43219
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 23, 2048

March 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateMar 06, 2017
Property Address852 OAK ST, LUDLOW, KY 41016-1352
Document Number0000000299
Book / Page0C6109 / 000288
Instrument DateMar 01, 2017
Instrument299
Transaction TypeTransfer
Record UpdatedMay 16, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$15.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address701 BROMLEY CRESCENT SPRINGS RD CRESCENT SPRINGS KY 410175326, CRESCENT SPRINGS, KY 41017-5326

March 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateMar 06, 2017
Property Address852 OAK ST, LUDLOW, KY 41016-1352
Document Number0000000298
Book / Page0C6109 / 000285
Instrument DateFeb 24, 2017
Instrument298
Transaction TypeTransfer
Record UpdatedMay 16, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$55.00
Amount AccuracyConfirmed
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address852 OAK ST LUDLOW KY 410161352, LUDLOW, KY 41016-1352

January 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateJan 12, 2017
Property Address852 OAK ST, LUDLOW, KY 41016-1352
Document Number0000000112
Book / Page0C6073 / 000302
Instrument DateMar 11, 2016
Instrument112
Transaction TypeTransfer
Record UpdatedMay 05, 2017
Title CompanySERVICELINK

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityLudlow City
Unified School DistrictLudlow 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.

YearTax BillAssessed ValueAssessed Market Value
2025$979.00 (+1.45%)$75,000 (-) Land $10,000 Building $65,000$75,000 (-) Land $10,000 Building $65,000
2023$965.00$75,000 Land $10,000 Building $65,000$75,000 Land $10,000 Building $65,000

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 ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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