101 Elm St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 101 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,072 sqft · built 1930
Lot Size	0.071 acres (3,125 sqft)
Owner	Individual Name on Record
Last Sale	$47,500 (Jan 2023)
Tax Bill	$979 (2025)
Deeds & Mortgages	Jan 2023 Sale Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`040-11-01-012.00`

Property Details

APN / Parcel Number

Primary APN	`040-11-01-012.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,072 sqft Finished Area
Gross Area	1,817 sqft

Exterior

Year Built	Built 1930
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	3,125 sqft (0.071 acres)
Lot Dimensions	125 ft deep x 25 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0401101012.00
Street Address	101 ELM ST
City	LUDLOW
State	KY
Zip	41016-1519
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW ORIG PLAT E 1/2 LOT 80 25'X 125'
Legal Subdivision	LUDLOW ORIGINAL PLAT
Legal Lot Number	80
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2004
Census Tract	66900

Owner

Source: Kenton County records, as of November 27, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10547 MOUNTAIN LAUREL WAY, UNION, KY 41091-7677
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2023	Deed, Transfer
Oct 29, 2020	Deed of Trust, Mortgage · Conventional with PMI MISCELLANEOUS INS CO
May 24, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 9, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2023 · Amount on Record
Deed Sale	Jan 26, 2023 · Amount on Record
Prior Sale	May 24, 2018 · Amount on Record
Deed Document Number	0000210990
Deed Book / Page	210 / 990
Record Updated	Jun 8, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jan 26, 2023
Property Address	101 ELM ST, LUDLOW, KY 41016-1519
Document Number	0005900123
Book / Page	KC 210 / 990
Instrument Date	Jan 26, 2023
Instrument	23012605900123
Transaction Type	Transfer
Record Updated	Feb 6, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5647 CODY RD, INDEPENDENCE, KY 41051-9670

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10547 MOUNTAIN LAUREL WAY, UNION, KY 41091-7677

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	101 ELM ST, LUDLOW, KY 41016-1519
Document Number	0000000166
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Dec 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	101 W ELM ST CONSHOHOCKEN PA 194282075, CONSHOHOCKEN, PA 19428-2075

Mortgage

Document Number	0000000166
Date	Nov 13, 2020
Book Page	00M126/000217
Instrument	166

Lender

Name	MISCELLANEOUS INS CO
Address	NEW YORK, NY 10010

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	May 24, 2018
Property Address	101 ELM ST, LUDLOW, KY 41016-1519
Document Number	0000000145
Book / Page	0C6417 / 000132
Instrument Date	Mar 28, 2018
Instrument	145
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$19.90
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10374 REMY LN FLORENCE KY 410423679, FLORENCE, KY 41042-3679

May 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	May 9, 2017
Property Address	101 ELM ST, LUDLOW, KY 41016-1519
Document Number	0000000050
Book / Page	0C6154 / 000023
Instrument Date	Feb 14, 2014
Instrument	50
Transaction Type	Foreclosure
Record Updated	May 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$10.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	100 CROSSING DR WILDER KY 410768848, WILDER, KY 41076-8848

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Ludlow City
Unified School District	Ludlow Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$979.00 (+1.45%)	$75,000 (-) Land $10,000 Building $65,000	$75,000 (-) Land $10,000 Building $65,000
2023	$965.00	$75,000 Land $10,000 Building $65,000	$75,000 Land $10,000 Building $65,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 516 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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