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

Kenton County property record for 855 Oak St, Ludlow, KY 41016 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 952 sqft · built 1921
Lot Size0.044 acres (1,917 sqft)
OwnerCompany Name on File
Last Sale$55,000 (Jan 2021)
Tax Bill$1,044 (2025)
Deeds & MortgagesNov 2023 Mortgage
Oct 2021 Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN026-41-08-005.00

Property Details

APN / Parcel Number

Primary APN026-41-08-005.00

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories2 Stories
Building Area952 sqft Finished Area
Gross Area1,144 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1921
Effective Year BuiltEffective 1921
Exterior MaterialCombination
Roof MaterialTar & Gravel
Lot Area1,917 sqft (0.044 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Street Address855 OAK ST
CityLUDLOW
StateKY
Zip41016-1370
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWEAVER PT LOT 255 2ND ADDN N 17 1/2' LOT 255 0.044 ACS SES OAK ST
Legal SubdivisionWEAVER J J
Legal Phase2
Legal Lot Number255
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group2
Census Block2016
Census Tract66900

Owner

Source: Kenton County records · APN 026-41-08-005.00

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

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

Owner of RecordCompany Name on File
Mailing Address310 ADELA AVE, LUDLOW, KY 41016-1423
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Nov 30, 2023Deed of Trust, Mortgage · Commercial Mortgage
RCN CAPITAL LLC
Oct 21, 2021Deed of Trust, Mortgage
CITIZENS FSLA
Jan 07, 2021Warranty Deed, Construction Loan · Construction Mortgage
MM LNDG LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 07, 2021 · Amount on Record
Deed SaleJan 07, 2021 · Amount on Record
Prior SaleJul 26, 2013 · Amount on Record
Deed Document Number20215900197
Deed Book / Page65 / 251
Prior Transfer DateNov 29, 2004
Prior Transfer Doc0005900280
Record UpdatedSep 20, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address855 OAK ST, LUDLOW, KY 41016-1370
Transaction TypeMortgage
Record UpdatedJan 12, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900049
DateNov 30, 2023
Book PageKCM 510/604
Instrument23113005900049
Lender
NameRCN CAPITAL LLC
TypeMortgage Company
AddressSOUTH WINDSOR, CT 06074
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2053

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address855 OAK ST, LUDLOW, KY 41016-1370
Transaction TypeMortgage
Record UpdatedAug 22, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900089
DateOct 21, 2021
Book Page288/646
Instrument21102105900089
Lender
NameCITIZENS FSLA
TypeBank
AddressCOVINGTON, KY 41011
Agreement
AmountAmount Recorded
Term301 Months
DueNov 01, 2046

January 2021: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJan 07, 2021
Property Address855 OAK ST, LUDLOW, KY 41016-1370
Document Number0000000197
Book / Page000065 / 000251
Instrument DateDec 31, 2020
Instrument197
Transaction TypeConstruction Loan
Record UpdatedMar 02, 2021
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
Tax$55.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address310 ADELA AVE LUDLOW KY 410161423, LUDLOW, KY 41016-1423

Mortgage

Document Number198
DateJan 07, 2021
Book Page00M151/000556
Instrument198
Lender
NameMM LNDG LLC
AddressLOUISVILLE, KY 40207
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueJan 06, 2022

Tax Assessment & Valuation

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

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$1,044.00 (+1.46%)$80,000 (-) Land $10,000 Building $70,000$80,000 (-) Land $10,000 Building $70,000
2023$1,029.00$80,000 Land $10,000 Building $70,000$80,000 Land $10,000 Building $70,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170669002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Nearby Flood Policies6 in force
Nearby Flood Claims1 (1997)
Most Recent ClaimMar 1997, river or lake flooding, Severe Storm, Flooding, And Tornadoes

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

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

ProviderTechnologyDownload / Upload (Mbps)
Cincinnati BellFiber3,000 / 3,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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