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

Kenton County property record for 857 Oak St, Ludlow, KY 41016 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms1 Baths
Year BuiltBuilt 1925
Square Footage1,280 sqft Finished Area
Lot Size1,917 sqft (0.044 acres)
Last Sale$55,000 (2021)
Tax Bill$1,044.00 (2025)

Property Details

APN / Parcel Number

Primary APN026-41-08-004.00

Interior

Bedrooms2 Beds
Full Baths1 Baths
Building Area1,280 sqft Finished Area
Stories2 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1925
Exterior MaterialCombination Exterior
Foundation TypeBlock Foundation
Roof MaterialComposition Shingle Roof
Lot Area1,917 sqft (0.044 acres)
Depth X Width110 ft x 18 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 Number0264108004.00
Street Address857 OAK ST
CityLUDLOW
StateKY
Zip41016-1370
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionWEAVER PT LOTS 255-256 2ND ADDN S 7 1/2' LOT 255 & N 10' LOT 256 0.044 ACS SES OAK ST
Legal SubdivisionWEAVER J J
Legal Phase2
Legal Lot Number255,25
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup2
Census Block2016
Census Tract66900

Owner

Source: Kenton County records · APN 026-41-08-004.00

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 RecordCompany Name on File
Mailing Address310 ADELA AVE, LUDLOW, KY 41016-1423
Owner TypeOwner is a Company

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 · Building or 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 SaleMay 14, 2013 · Amount on Record
Deed Doc Number0000065251
Deed Book / Page65 / 251
Record RefreshedJun 08, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address857 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 Address857 OAK ST, LUDLOW, KY 41016-1370
Transaction TypeMortgage
Record UpdatedNov 02, 2021

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 Address857 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
  • Notice of Foreclosure Sale
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

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
TypeBuilding or Construction Mortgage
AmountAmount Recorded
Term12 Months
DueJan 06, 2022

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$1,044.00 (+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 · 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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