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

Kenton County property record for 859 Oak St, Ludlow, KY 41016 · Last verified December 2025

Property Highlights

Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1900
Square Footage	2,528 sqft Finished Area
Lot Size	4,922 sqft (0.112 acres)
Occupancy	Owner Occupied
Last Sale	$92,000 (2005)
Tax Bill	$1,501.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`026-41-08-003.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,528 sqft Finished Area
Gross Area	2,324 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1900
Exterior Material	Stucco Exterior
Foundation Type	Block Foundation
Roof Material	Composition Shingle Roof
Lot Area	4,922 sqft (0.112 acres)
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Old Parcel Number	0264108003.00
Street Address	859 OAK ST
City	LUDLOW
State	KY
Zip	41016-1370
Property Usage	Residential Property Usage
Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	WEAVER LOT 257 & PT LOTS 256-258 2ND LOT 257 N 5' LOT 258 S 15' LOT 256 0.113 ACS SES OAK ST ALL
Legal Subdivision	WEAVER J J
Legal Phase	62
Legal Lot Number	257,258
Jurisdiction	KENTON KY
Minor Civil Division	COVINGTON
Census Blockgroup	2
Census Block	2016
Census Tract	66900

Owner

Source: Kenton County records · APN 026-41-08-003.00

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 Record	2 Owner Names on File
Mailing Address	859 OAK ST, LUDLOW, KY 41016-1370
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 29, 2005 · Amount on Record
Deed Sale	Dec 29, 2005 · Amount on Record
Prior Sale	Dec 29, 2005 · Amount on Record
Deed Doc Number	0C28720084
Last Transfer Date	Dec 10, 2012
Transfer Doc	0000000269
Record Refreshed	Jun 08, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Ludlow City
Unified School District	Ludlow 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,501.00 (+1.42%)	$115,000 (-) Land $10,000 Building $105,000	$115,000 (-) Land $10,000 Building $105,000
2023	$1,480.00	$115,000 Land $10,000 Building $105,000	$115,000 Land $10,000 Building $105,000

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 Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

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; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Individually Listed	House at 859 Oak Street listed 1984 · 1 contributing resources · NRIS 84000329

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.