Property Description

Welcome to 408 Oak Street--a rare opportunity to own an affordable, 1-step home in one of Northern Kentuckys most walkable and up-and-coming communities. With 1 bedroom, 1 bathroom, and approximately 688 square feet, this home offers a practical and low-maintenance lifestyle thats hard to find at this price point.Perfect for first-time buyers, downsizers, or anyone looking to simplify, this home features easy one-level living with 1 step, making daily life comfortable and accessible. The manageable size keeps utility costs low while still providing everything you need.Located just minutes from downtown Cincinnati and within walking distance to local favorites, shops, and restaurants, youll enjoy both convenience and community.Whether youre looking to stop renting, invest in a straightforward rental property, or find a place that fits a simpler lifestyle, this home checks the boxes. Trim paint has been freshened up, Window AC Unit is ready to go, Washer and Dryer stay and sellers are ready to consider your offer!Why pay rent when you can own something of your own? Possible Downpayment assistance is available too, reach out for details!

408 Oak Street | MLS# 642099

This single family home located at 408 Oak Street, Ludlow, KY 41016 is currently listed for sale with an asking price of $115,000. This property was built in 1920 and has 1 bedrooms and 1 full baths with 688 sq. ft. Oak Street is located within the Ludlow Indep school district. Search Ludlow real estate on 2949cortonaroad.cutlerhomes.com today.

Property Features

Property Type: Residential - Single Family

Basement: Storage Space, Unfinished

Basement: Yes

Cooling: Window Unit(s)

Days on Market: 10

Fireplaces: 1

Heating: Forced Air

Home Style: Ranch

Lot Size: 0.02 Acres

Roof Type: Shingle

Stories: 1.0

Year Built: 1920

Feature Descriptions

Accessibility: None

Appliances: Electric Cooktop, Electric Oven, Electric Range, Dryer, Washer

Exterior: Aluminum Siding, Brick

Fencing: Metal, Perimeter

Fireplace: Decorative, Inoperable

Fireplace Y/N: Yes

Foundation: Block, Stone

Home Warranty: Yes

Interior: Eat-in Kitchen, Built-in Features, Natural Woodwork

Laundry: Main Level

Lot: Level

Lot Dimensions: 50x21

Parcel Number: 026-33-07-013.00

Parking: No Garage, On Street

Patio/Porch: Covered, Porch

Road Frontage: City Street

Road Surface: Paved

Rooms Total: 4

Sewer: Public Sewer

Special View Info: Neighborhood

Structure Type: House

Sub Type: Single Family Residence

Utilities: Cable Available

Water: Public

Window: Insulated Windows

Room Sizes

Primary Bedroom: 12.5 X 12 Level - First

Kitchen: 11.5 X 12 Level - First

Living Room: 12.5 X 12.5 Level - First

Primary Bath: 7 X 3.5 Level - First

Local Schools

High School: Ludlow High

Middle School: Ludlow Middle School

Elementary School: Mary A. Goetz Elementary

School District: Ludlow Indep

Market Trends

Kenton County Residential Market Trend Graphs

Zip Code 41016

Source: Delta Media Group, Inc.

Demographics

Kenton County Demographic Information for 408 Oak Street, Ludlow, KY 41016

Fips

Fips Code 21117

Population

2020 to 2025 Change up 4.0%

2010 Count 159,720

2020 Count 169,064

2025 Estimate (V2025) 175,779

2020 Estimate (V2025) 169,042

Age Distribution (Years Old)

0 to 4 5.6%

5 to 17 22.6%

18 to 64 55.0%

65 and Older 16.8%

Gender

Male 49.8%

Female 50.2%

Place of Birth

Foreign 4.1%

US 95.9%

Education

High School Graduate, Age 25+ 92.9%

Bachelor's Degree or Higher, Age 25+ 37.4%

Computer and Internet use

Households with a computer 95.8%

Households with a broadband Internet subscription 92.0%

Language

English is Second Language, Age 5+ 5.5%

English is First Language, Age 5+ 94.5%

Veterans

Veterans 7,465

Income

Per Capita Income $43,733

Median Household Income $80,548

People in Poverty 9.8%

Commute

Average Work Commute Time 23 minutes

Housing

Total Housing Units 73,256

Households 67,367

Average Household Size 2.52

Owner-Occupied 70.7%

Multi-Family 26.0%

Owner-Occupied Median Value $244,400

Median selected monthly owner costs -with a mortgage $1,584

Median selected monthly owner costs -without a mortgage $580

Median gross rent $1,069

Building Permits

New Private Housing Issued 2024 699

Years at Residence

1 Year or More 88.7%

Less Than 1 Year 11.3%

Business and Employment

Private non-farm Establishments 3,297

Private non-farm Employment 68,018

Private non-farm Employment Growth up 0.5%

Nonemployer Establishments 11,254

Number of Firms 2,816

Business Production

Value of Shipments $2,537,540,000

Wholesale Trade $1,316,991,000

Retail Trade $1,601,623,000

Retail Sales Per Capita $8,235

Accommodation and Food Services $405,567,000

Land

Land Area 160.25 sq. miles

Population Per Square Mile 997

Source: US Census Bureau

Estimate Your Payment

Estimated Payment

$ 618.07 per month $584.53 Principal & Interest $0.00 Property Tax (data not provided by mls) $33.54 Homeowner's Insurance

Change Payment Information

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 05/11/2026. The listing information on this page last changed on 05/11/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Mon 05/11/2026 12:07:18 AM EST) or Dayton MLS (last updated Sun 05/10/2026 11:46:41 PM EST) or CBRMLS (last updated Mon 05/11/2026 12:04:29 AM EST) or Multiple Listing Service of Greater Cincinnati (last updated Sun 05/10/2026 11:53:30 PM EST) or NKY MLS (last updated Sun 05/10/2026 11:28:21 PM EST) or Wrist MLS (last updated Sun 05/10/2026 11:24:13 PM EST) or Firelands MLS (last updated Sun 05/10/2026 11:11:37 PM EST) or MLS NOW (last updated Mon 05/11/2026 12:02:29 AM EST). Real estate listings held by brokerage firms other than Cutler Real Estate may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.

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408 Oak StreetLudlow, KY 41016