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CondominiumResidential
$210,997$203 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $119,500 on Oct 19, 2006

538 RIVERSBREEZE DR

LUDLOW, KY 41016
2
Beds
2
Baths
1,039 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1,039 ft²
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$211K
$189K low$233K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$119,500 · Oct 19, 2006
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$4,497
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$3,598
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.118%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$119,500
FIRST SECURITY TRUST BANK · P · recorded Oct 19, 2006
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$87,000
FIRST SECURITY TRUST BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,698 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$130,000 (2025)
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$130,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$130,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$130,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.48
51
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
82
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
86
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
13
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.15 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Condominium
CountyKenton
Lot (acres)The size of the land the home sits on, from county records.0.02
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.No Garage
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Mary A. Goetz Elementary SchoolB
Elementary · Grades PK–6 · 0.7 mi
M
Ludlow High SchoolB
Middle · Grades 7–12 · 0.7 mi

District: Ludlow Independent School District

Neighborhood · ZIP 41016These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.144
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.212
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.38

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.5,689
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,782 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,510
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,149
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

538 Riversbreeze Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 72% of homes in Kenton County
  • Costs more per square foot than 84% of homes in Covington 41016
  • Smaller than 80% of homes in Kenton County
  • Among the smallest lots in Kenton County
  • Newer than 90% of homes in Covington 41016

What homes are worth in Covington 41016

Each bar is how many homes fall in that price range. The marker is this home.

This home
$82K$439K

This home is worth more than 66% of homes in Covington 41016.

How it measures up in Covington 41016

The dot is this home. The mark in the middle is the typical home in Covington 41016.

Estimated value$210,997
CheaperTypical $180,692Pricier

Pricier than 66% of homes nearby

Price per ft²$203
CheaperTypical $147Pricier

Pricier than 84% of homes nearby

Living area1,039 ft²
SmallerTypical 1,370 ft²Bigger

Bigger than 27% of homes nearby

Lot size1,039 ft²
SmallerTypical 3,485 ft²Bigger

Bigger than 2% of homes nearby

Year built2004
OlderTypical 1925Newer

Newer than 90% of homes nearby

How 538 Riversbreeze Dr ranks against every home in each area.
MeasureThis homeCovington 41016Kenton County
Estimated valuepricier than$210,99766% of homes28% of homes
Price per ft²pricier than$20384% of homes60% of homes
Living areabigger than1,039 ft²27% of homes20% of homes
Lot sizebigger than1,039 ft²2% of homesalmost no homes
Year builtnewer than200490% of homes84% of homes

About 538 Riversbreeze Dr

How much is 538 Riversbreeze Dr, Ludlow, KY worth?

The TopHap Estimate for 538 Riversbreeze Dr, Ludlow, KY is $210,997 as of Jul 14, 2026. The likely range is $188,671 to $233,323. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 538 Riversbreeze Dr, Ludlow, KY last sell?

538 Riversbreeze Dr, Ludlow, KY last sold on Oct 19, 2006 for $119,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 538 Riversbreeze Dr, Ludlow, KY?

538 Riversbreeze Dr, Ludlow, KY has 2 bedrooms, 2 bathrooms, 1,039 square feet of living space and a 0.02-acre lot.

When was 538 Riversbreeze Dr, Ludlow, KY built?

538 Riversbreeze Dr, Ludlow, KY was built in 2004, making it 22 years old. The building has 1 story.

What schools serve 538 Riversbreeze Dr, Ludlow, KY?

538 Riversbreeze Dr, Ludlow, KY is assigned to Mary A. Goetz Elementary School (elementary), rated B; Ludlow High School (middle), rated B. All sit in Ludlow Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 538 Riversbreeze Dr, Ludlow, KY compare to other homes in Covington 41016?

Among the 2,345 homes in Covington 41016, it is worth more than 66% of them ($210,997 against a typical $180,692), its price per square foot is higher than 84% of them ($203 against a typical $147), it is bigger than 27% of them (1,039 ft² against a typical 1,370 ft²), its lot is bigger than 2% of them (1,039 ft² against a typical 3,485 ft²) and it is newer than 90% of them (2004 against a typical 1925). Measured against all of Kenton County, it is worth more than 28% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 538 Riversbreeze Dr, Ludlow, KY?

The 2025 property tax bill for 538 Riversbreeze Dr, Ludlow, KY was $1,698. The county assessed it at $130,000.

Closest homes

More homes in Ludlow 41016

Assigned schools

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