440 Victoria St Ludlow, KY 41016
4
Beds
2
Baths
1,840
Sq Ft
5,227
Sq Ft Lot
Highlights
- Open Floorplan
- Deck
- Recreation Room
- Craftsman Architecture
- Wood Burning Stove
- 4-minute walk to Ludlow Memorial Park
About This Home
As of May 2025Spacious 4-Bedroom Home in the Heart of Ludlow! This beautifully updated home combines charm, space, and an unbeatable location. Enjoy incredible curb appeal, an open floorplan, and two oversized family rooms—perfect for relaxing or entertaining. The remodeled kitchen makes cooking and hosting a breeze. Step out onto the screened-in porch—your new favorite spot for morning coffee or unwinding on warm summer evenings. Need more space? You'll love the finished walkout basement, 2-car garage, and off-street parking. Stackable washer/dryer included! Major updates provide peace of mind with a new roof, upgraded electric, new furnace/AC, and newer water heater. Walkable to local parks, shops, dining, and Ludlow schools—plus, Ludlow is golf cart friendly! Just a short golf cart ride to the community pool in the summer.
Last Agent to Sell the Property
Resource Realty Partners License #223022 Listed on: 05/02/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $1,672
Year Built
- Built in 1920
Lot Details
- 5,227 Sq Ft Lot
- Lot Dimensions are 60x100
Parking
- 2 Car Attached Garage
- Oversized Parking
- Side Facing Garage
- Garage Door Opener
- Driveway
- On-Street Parking
- Off-Street Parking
Home Design
- Craftsman Architecture
- Block Foundation
- Shingle Roof
- Aluminum Siding
Interior Spaces
- 1,840 Sq Ft Home
- 2-Story Property
- Open Floorplan
- Built-In Features
- Crown Molding
- Ceiling Fan
- 1 Fireplace
- Wood Burning Stove
- Vinyl Clad Windows
- Insulated Windows
- Family Room
- Living Room
- Formal Dining Room
- Den
- Recreation Room
- Vinyl Flooring
- Finished Basement
- Walk-Out Basement
Kitchen
- Eat-In Kitchen
- Gas Range
- Microwave
- Dishwasher
- Stainless Steel Appliances
- Kitchen Island
- Granite Countertops
- Disposal
Bedrooms and Bathrooms
- 4 Bedrooms
- 2 Full Bathrooms
Laundry
- Laundry Room
- Laundry on lower level
Outdoor Features
- Deck
- 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 026-33-04-005.00
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Closed on
Dec 4, 2020
Sold by
Miladinovic Stojanka and Miladihovic Stojahka
Bought by
Moore Melvin D and Moore Jan R
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$175,000
Interest Rate
2.7%
Mortgage Type
VA
Purchase Details
Closed on
Apr 27, 2009
Sold by
Federal National Mortgage Association
Bought by
Miladihovic Stojahka
Purchase Details
Closed on
Sep 29, 2008
Sold by
Brzygot Kristen
Bought by
Federal National Mortgage Association
Purchase Details
Closed on
Jun 20, 2006
Sold by
Moore Melvin D and Moore Jan R
Bought by
Brzygot Kristen
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$89,000
Interest Rate
8.89%
Mortgage Type
Purchase Money Mortgage
Similar Homes in Ludlow, KY
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $175,000 | None Available | |
| Warranty Deed | $175,000 | None Listed On Document | |
| Special Warranty Deed | $39,000 | Us Title | |
| Commissioners Deed | $68,100 | None Available | |
| Warranty Deed | $89,000 | Royal Land Title Agency Ltd |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $270,000 | VA | |
| Closed | $25,000 | New Conventional | |
| Closed | $201,740 | VA | |
| Closed | $175,000 | VA | |
| Previous Owner | $100,800 | Unknown | |
| Previous Owner | $89,000 | Purchase Money Mortgage | |
| Previous Owner | $130,000 | Unknown |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 05/30/2025 05/30/25 | Sold | $359,900 | 0.0% | $196 / Sq Ft |
| 05/08/2025 05/08/25 | Pending | -- | -- | -- |
| 05/02/2025 05/02/25 | For Sale | $359,900 | -- | $196 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Tax History Compared to Growth
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 |
|---|---|---|---|---|
| 2024 | $1,672 | $175,000 | $10,000 | $165,000 |
| 2023 | $1,655 | $175,000 | $10,000 | $165,000 |
| 2022 | $1,757 | $175,000 | $10,000 | $165,000 |
| 2021 | $1,947 | $175,000 | $8,000 | $167,000 |
| 2020 | $1,295 | $88,000 | $8,000 | $80,000 |
| 2019 | $1,288 | $88,000 | $8,000 | $80,000 |
| 2018 | $1,280 | $88,000 | $8,000 | $80,000 |
| 2017 | $1,087 | $75,000 | $10,000 | $65,000 |
| 2015 | $1,034 | $75,000 | $10,000 | $65,000 |
| 2014 | $993 | $75,000 | $10,000 | $65,000 |
Source: Public Records
Agents Affiliated with this Home
-
Seller's Agent in 2025
Matt Brock
Resource Realty Partners
(859) 445-8331
32 in this area
109 Total Sales
-
Buyer's Agent in 2025
Kyle Sticklen
Sibcy Cline
(513) 646-9187
1 in this area
45 Total Sales
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 632121
APN: 026-33-04-005.00
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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 2025 Northern Kentucky Multiple Listing Service, Inc. All rights reserved.
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