Seller's Agent in 2025
Matt Brock
Resource Realty Partners
(859) 445-8331
37 in this area
123 Total Sales
415 Oak St Ludlow, KY 41016
4
Beds
2
Baths
1,728
Sq Ft
3,049
Sq Ft Lot
Highlights
- Open Floorplan
- Main Floor Primary Bedroom
- Granite Countertops
- Traditional Architecture
- High Ceiling
- No HOA
About This Home
As of August 2025Completely updated within the last few years, this spacious 4-bedroom, 2-bath home offers an open floor plan with exposed ductwork, a wide-open living, dining, and kitchen area, and a custom kitchen featuring stainless steel appliances, granite countertops, soft-close cabinets, and a peninsula with breakfast seating. The first-floor primary suite has an updated en-suite bath with tile surround, plus convenient first-floor laundry with washer and dryer included. Upstairs you'll find two large bedrooms, a full bath, and a family room, while the finished third floor provides a versatile space perfect for a fourth bedroom, office, or game room. Enjoy relaxing on the welcoming front porch or the enclosed back patio for extra privacy. Additional highlights include all new custom blinds, a new roof in 2024, off-street parking in the rear, and a great location close to schools, parks, the local swim club, and Ludlow's bustling business district.
Last Agent to Sell the Property
Resource Realty Partners License #223022 Listed on: 07/11/2025
Home Details
Home Type
- Single Family
Year Built
- Built in 1929
Lot Details
- 3,125 Sq Ft Lot
- Lot Dimensions are 25x125
- Cleared Lot
Home Design
- Traditional Architecture
- Stone Foundation
- Shingle Roof
- Aluminum Siding
Interior Spaces
- 1,728 Sq Ft Home
- 3-Story Property
- Open Floorplan
- High Ceiling
- Ceiling Fan
- Non-Functioning Fireplace
- Vinyl Clad Windows
- Double Hung Windows
- Family Room
- Living Room
- Formal Dining Room
- Unfinished Basement
- Basement Fills Entire Space Under The House
- Storage In Attic
Kitchen
- Eat-In Kitchen
- Breakfast Bar
- Electric Range
- Microwave
- Dishwasher
- Stainless Steel Appliances
- Kitchen Island
- Granite Countertops
Flooring
- Carpet
- Luxury Vinyl Tile
Bedrooms and Bathrooms
- 4 Bedrooms
- Primary Bedroom on Main
- En-Suite Bathroom
- Walk-In Closet
- 2 Full Bathrooms
- Double Vanity
- Bathtub with Shower
Laundry
- Laundry Room
- Laundry on main level
Parking
- Driveway
- On-Street Parking
- Off-Street Parking
Outdoor Features
- Enclosed Patio or Porch
Schools
- Mary A. Goetz Elementary School
- Ludlow Middle School
- Ludlow High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- 200+ Amp Service
Community Details
- No Home Owners Association
Listing and Financial Details
- Assessor Parcel Number 026-34-08-016.00
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jul 11, 2025
Closed on
Aug 29, 2025
Sold by
Cleves Ryan N and Cleves Nicole M
Bought by
Hamilton Kelsey Suzanne
Seller's Agent
Matt Brock
Resource Realty Partners
Buyer's Agent
Keith Bischoff
Huff Realty - CC
List Price
$339,900
Sold Price
$280,000
Premium/Discount to List
-$59,900
-17.62%
Views
65
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$124
Avg. Annual Appreciation
0.08%
Original Mortgage
$274,928
Outstanding Balance
$274,928
Interest Rate
6.74%
Mortgage Type
FHA
Estimated Equity
$5,196
Purchase Details
Closed on
Feb 26, 2021
Sold by
Resolve Properties Llc
Bought by
Cleves Ryan N and Cleves Nicole M
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$207,000
Interest Rate
2.7%
Mortgage Type
New Conventional
Purchase Details
Closed on
Mar 23, 2020
Sold by
Alder Janice D
Bought by
Resolve Properties Llc
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Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $280,000 | None Listed On Document | |
| Deed | $280,000 | None Listed On Document | |
| Warranty Deed | $230,000 | 360 American Title Svcs Llc | |
| Warranty Deed | $63,000 | None Listed On Document | |
| Warranty Deed | $63,000 | 360 American Title Svcs Llc |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $274,928 | FHA | |
| Closed | $274,928 | FHA | |
| Previous Owner | $207,000 | New Conventional |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 08/29/2025 08/29/25 | Sold | $280,000 | -12.5% | $162 / Sq Ft |
| 08/11/2025 08/11/25 | Pending | -- | -- | -- |
| 07/28/2025 07/28/25 | Price Changed | $319,900 | -3.0% | $185 / Sq Ft |
| 07/21/2025 07/21/25 | Price Changed | $329,900 | -2.9% | $191 / Sq Ft |
| 07/11/2025 07/11/25 | For Sale | $339,900 | -- | $197 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $3,004 | $230,000 | $10,000 | $220,000 |
| 2024 | $2,990 | $230,000 | $10,000 | $220,000 |
| 2023 | $2,960 | $230,000 | $10,000 | $220,000 |
| 2022 | $2,951 | $230,000 | $10,000 | $220,000 |
| 2021 | $952 | $63,000 | $10,000 | $53,000 |
| 2020 | $1,253 | $85,000 | $10,000 | $75,000 |
| 2019 | $1,246 | $85,000 | $10,000 | $75,000 |
| 2018 | $1,239 | $85,000 | $10,000 | $75,000 |
| 2017 | $1,222 | $85,000 | $10,000 | $75,000 |
| 2015 | $1,164 | $85,000 | $10,000 | $75,000 |
| 2014 | $1,118 | $85,000 | $10,000 | $75,000 |
Source: Public Records
Agents Affiliated with this Home
-
Matt Brock
-
Keith Bischoff
Buyer's Agent in 2025
Keith Bischoff
Huff Realty - CC
(859) 760-1902
3 in this area
142 Total Sales
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 634262
APN: 026-34-08-016.00
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NKMLS. Real estate listings held by IDX Brokerage firms other than Ten-X are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about them includes the name of the listing Brokers.
Listing information is deemed reliable, but not guaranteed.
Copyright 2026 Northern Kentucky Multiple Listing Service, Inc. All rights reserved.
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