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

Kenton County property record for 854 Oak St, Ludlow, KY 41016 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms1 Beds
Bathrooms1 Baths
Year BuiltBuilt 1918
Square Footage928 sqft Finished Area
Lot Size3,485 sqft (0.08 acres)
OccupancyOwner Occupied
Last Sale$93,000 (2021)
Tax Bill$1,214.00 (2025)

Property Details

APN / Parcel Number

Primary APN026-41-01-011.00

Interior

Bedrooms1 Beds
Full Baths1 Baths
Building Area928 sqft Finished Area
Gross Area1,008 sqft Gross Area
Stories1 Stories

Exterior

Year BuiltBuilt 1918
Exterior MaterialAluminum/Vinyl Exterior
Foundation TypeBlock Foundation
Roof MaterialComposition Shingle Roof
Lot Area3,485 sqft (0.08 acres)
Depth X Width128 ft x 25 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 Number0264101011.00
Street Address854 OAK ST
CityLUDLOW
StateKY
Zip41016-1352
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLUDLOW LAGOON LOT 57
Legal SubdivisionLUDLOW LAGOON LAND
Legal Lot Number57
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup4
Census Block4026
Census Tract66900

Owner

Source: Kenton County records · APN 026-41-01-011.00

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 Address854 OAK ST, LUDLOW, KY 41016-1352
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 02, 2021Deed of Trust, Mortgage
CITY OF COVINGTON
Feb 09, 2021Warranty Deed, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 26, 2018Warranty Deed, Transfer · Conventional Mortgage
GUARDIAN SVGS BK
May 25, 2017Grant Deed, Transfer
US TITLE
Jan 26, 2017Trustee's Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 09, 2021 · Amount on Record
Deed SaleFeb 09, 2021 · Amount on Record
Prior SaleNov 26, 2018 · Amount on Record
Deed Doc Number0000000713
Deed Book / Page71 / 3
Record RefreshedJun 08, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address854 OAK ST, LUDLOW, KY 41016-1352
Transaction TypeMortgage
Record UpdatedApr 15, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900086
DateApr 02, 2021
Book Page195/431
Instrument21040205900086
Lender
NameCITY OF COVINGTON
TypeNon-Lending Institution
AddressCOVINGTON, KY 41011
Agreement
AmountAmount Recorded
Term57 Months
DueJan 19, 2026

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateFeb 09, 2021
Property Address854 OAK ST, LUDLOW, KY 41016-1352
Document Number0005900095
Book / Page71 / 3
Map ReferenceMB 120 PG 636-367
Instrument DateJan 28, 2021
Instrument21020905900095
Transaction TypeTransfer
Record UpdatedJan 18, 2022
Title CompanyAMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address854 OAK ST, 854, LUDLOW, KY 41016-1352

Transferred To (Grantee/Buyer)

NameVerified Name
Address854 OAK ST, LUDLOW, KY 41016-1352

Mortgage

Document Number0005900096
DateFeb 09, 2021
Instrument21020905900096
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2051

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateNov 26, 2018
Property Address854 OAK ST, LUDLOW, KY 41016-1352
Document Number0000000064
Book / Page0C6550 / 000201
Instrument DateNov 19, 2018
Instrument64
Transaction TypeTransfer
Record UpdatedDec 07, 2018
Title CompanyPROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$87.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address10045 ARMSTRONG ST UNION KY 410917439, UNION, KY 41091-7439

Mortgage

Document Number67
DateNov 26, 2018
Book Page0C6550/000204
Instrument67
Lender
NameGUARDIAN SVGS BK
TypeFederal Savings Bank (FSB)
AddressCINCINNATI, OH 45239
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueNov 25, 2033

May 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateMay 25, 2017
Property Address854 OAK ST, LUDLOW, KY 41016-1352
Document Number0000000050
Book / Page0C6167 / 000047
Instrument DateMay 12, 2017
Instrument50
Transaction TypeTransfer
Record UpdatedJun 07, 2017
Title CompanyUS TITLE

Transaction

AmountAmount Recorded
Tax$27.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address854 OAK ST LUDLOW KY 410161352, LUDLOW, KY 41016-1352

January 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionKENTON KY
Recording DateJan 26, 2017
Property Address854 OAK ST, LUDLOW, KY 41016-1352
Document Number0000000291
Book / Page0C6083 / 000246
Instrument DateJan 25, 2017
Instrument291
Transaction TypeForeclosure
Record UpdatedMay 11, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$31.00
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address8200 JONES BRANCH DR #202 MCLEAN VA 221023107, 202, MCLEAN, VA 22102-3107
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$1,214.00 (+1.51%)$93,000 (-) Land $10,000 Building $83,000$93,000 (-) Land $10,000 Building $83,000
2023$1,196.00$93,000 Land $10,000 Building $83,000$93,000 Land $10,000 Building $83,000

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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