Spacious 2bed/2 full bath's/2 car garage home w/fenced yard, front covered porch. Study could be 3rd bedroom. Beautiful wood work, hardwood floors and staircase. Lg rooms, lg eat in kitchen w/walk in pantry, grand entry, mud room, pocket door, central air, newer heating, cooling. Walking distance to schools & swim club. Minutes to interstate & downtown. All information is believed to be accurate but not guaranteed.
Sold for $195,000
Tax assessed value
$195,000
432 Oak St, Ludlow, KY 41016
2beds
1,738sqft
Single Family Residence, Residential
Built in 1920
3,049 Square Feet Lot
$243,400 Zestimate®
$112/sqft
$1,588 Estimated rent
Home value
$243,400
$224,000 - $265,000
$1,588/mo
Zestimate® history
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List your homeWhat's special
Hardwood floorsFront covered porchCentral airMud roomBeautiful wood workGrand entryPocket door
Zillow last checked:
Listing updated:
Listed by:
Nikki Culbertson 859-653-0972,
Culbertson Real Estate Group
Bought with:
Shawn Masters, 220494
Comey & Shepherd REALTORS
Source: NKMLS,MLS#: 616079
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Features: Wood Flooring, Cathedral Ceiling(s), Hardwood Floors
- Level: Second
- Area: 196
- Dimensions: 14 x 14
Bedroom 2
- Features: Wood Flooring, Ceiling Fan(s), Hardwood Floors
- Level: Second
- Area: 196
- Dimensions: 14 x 14
Bathroom 2
- Features: Full Finished Bath
- Level: First
- Area: 54
- Dimensions: 9 x 6
Dining room
- Features: Wood Flooring, Hardwood Floors
- Level: First
- Area: 224
- Dimensions: 16 x 14
Entry
- Features: Walk-Out Access, Wood Flooring, Double Doors, Hardwood Floors
- Level: First
- Area: 66
- Dimensions: 11 x 6
Kitchen
- Features: Walk-Out Access, Vinyl Flooring, Eat-in Kitchen, Pantry
- Level: First
- Area: 210
- Dimensions: 15 x 14
Living room
- Features: Walk-Out Access, Wood Flooring, Ceiling Fan(s), Hardwood Floors
- Level: First
- Area: 196
- Dimensions: 14 x 14
Office
- Features: Wood Flooring, Hardwood Floors
- Level: Second
- Area: 48
- Dimensions: 8 x 6
Primary bath
- Features: Ceramic Tile Flooring
- Level: Second
- Area: 54
- Dimensions: 9 x 6
Utility room
- Features: Hardwood Floors
- Level: First
- Area: 42
- Dimensions: 7 x 6
Heating
- Has Heating (Unspecified Type)
Cooling
- Central Air
Appliances
- Included: Washer/Dryer Stacked, Electric Oven, Electric Range, Dryer, Refrigerator, Washer
- Laundry: Electric Dryer Hookup, Main Level, Washer Hookup
Features
- Storage, Pantry, Eat-in Kitchen, Ceiling Fan(s)
- Doors: Pocket Door(s), Multi Panel Doors
- Windows: Vinyl Frames
- Basement: Partial
Interior area
- Total structure area: 1,738
- Total interior livable area: 1,738 sqft
Property
Parking
- Total spaces: 2
- Parking features: Detached, Off Street, Oversized
- Garage spaces: 2
Features
- Levels: Two
- Stories: 2
- Patio & porch: Porch
- Fencing: Chain Link
Lot
- Size: 3,049 Square Feet
- Dimensions: 25 x 125
- Features: Cleared
Details
- Additional structures: Garage(s), Shed(s)
- Parcel number: 0263407025.00
- Zoning description: Residential
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subtype: Single Family Residence, Residential
Materials
- Brick
- Foundation: Stone
- Roof: See Remarks,Shingle
Condition
- Existing Structure
- New construction: No
- Year built: 1920
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Available, Natural Gas Available, Sewer Available
Community & HOA
Community
- Security: Smoke Detector(s)
HOA
- Has HOA: No
Location
- Region: Ludlow
Financial & listing details
- Price per square foot: $112/sqft
- Tax assessed value: $195,000
- Annual tax amount: $2,547
- Date on market: 10/18/2025
- Cumulative days on market: 3 days
Price history
| Date | Event | Price |
|---|---|---|
| 9/25/2023 | Sold | $195,000-2.5%$112/sqft |
Source:  NKMLS #616079 Report a problem | ||
| 8/14/2023 | Pending sale | $200,000$115/sqft |
Source: NKMLS #616079 Report a problem | ||
| 8/10/2023 | Listed for sale | $200,000$115/sqft |
Source: NKMLS #616079 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,547 +0.5% | $195,000 |
| 2024 | $2,535 +160.5% | $195,000 +59.8% |
| 2023 | $973 -6.4% | $122,000 |
| 2022 | $1,040 +85.3% | $122,000 +52.5% |
| 2021 | $561 -13.8% | $80,000 |
| 2020 | $651 | $80,000 |
| 2019 | $651 -0.7% | $80,000 |
| 2018 | $655 | $80,000 |
| 2017 | $655 +5.8% | $80,000 |
| 2015 | $620 +2% | $80,000 |
| 2014 | $608 | $80,000 |
| 2013 | $608 | $80,000 |
| 2012 | -- | $80,000 |
| 2011 | -- | $80,000 |
| 2010 | -- | $80,000 |
| 2009 | -- | $80,000 |
| 2008 | -- | $80,000 |
| 2007 | -- | $80,000 |
| 2006 | -- | $80,000 +33.3% |
| 2005 | -- | $60,000 |
| 2004 | -- | $60,000 |
| 2003 | -- | $60,000 |
| 2002 | -- | $60,000 +22.4% |
| 2001 | -- | $49,000 |
| 2000 | -- | $49,000 |
Find assessor info on the county website
Neighborhood: 41016
Nearby homes
- $151,9003 bd1 ba1.6k sqft434 Oak St, Ludlow, KY 41016Off Market
- $167,6003 bd2 ba1.9k sqft430 Oak St, Ludlow, KY 41016Off Market
- $149,2003 bd1 ba1.5k sqft436 Oak St, Ludlow, KY 41016Off Market
- $--1 bd1 ba700 sqft428 Oak St #2, Covington, KY 41016Off Market
- $204,2003 bd3 ba2.5k sqft428 Oak St, Ludlow, KY 41016Off Market
- $--1 bd1 ba760 sqft428 Oak St #3, Covington, KY 41016Off Market
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- $248,7004 bd2 ba1.4k sqft438 Oak St, Ludlow, KY 41016Off Market
Nearby schools
GreatSchools rating
- 6/10Mary A. Goetz Elementary SchoolGrades: PK-6Distance: 0.1 mi
- 6/10Ludlow High SchoolGrades: 7-12Distance: 0.1 mi
Schools provided by the listing agent
- Elementary: Mary A. Goetz Elementary
- Middle: Ludlow Middle School
- High: Ludlow High
Source: NKMLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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Estimated market value
$243,400
Get a cash offer in 3 minutes
Find out how much your home could sell for in as little as 3 minutes with a no-obligation cash offer.
Estimated market value
$243,400
- Kentucky
- Kenton County
- Ludlow
- 41016
- 432 Oak St
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