Kenton County property record for 115 Elm St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 935 sqft · built 1925 |
| Lot Size | 0.072 acres (3,125 sqft) |
| Owner | Individual Name on File |
| Last Sale | $19,000 (Nov 2008) |
| Tax Bill | $809 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-11-01-006.00 |
| Primary APN | 040-11-01-006.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 935 sqft Finished Area |
| Gross Area | 1,054 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,125 sqft (0.072 acres) |
| Lot Dimensions | 125 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 115 ELM ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW ORIG PLAT W 1/2 LOT 83 25'X 125' |
| Legal Subdivision | LUDLOW ORIGINAL PLAT |
| Legal Lot Number | 83 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 66900 |
115 Elm St is owned by an individual who bought it in November 2008.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1848 HART DR, HEBRON, KY 41048-9603 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 17, 2008 · Amount on File |
| Deed Sale | Nov 17, 2008 · Amount on File |
| Prior Sale | Sep 30, 2008 · Amount on File |
| Deed Document Number | 200811 17 059 00163 |
| Deed Book / Page | 3861 / 320 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 115 Elm St was $809.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $85,000 (+37.1%) Land $15,000 Building $70,000 | $85,000 (+37.1%) Land $15,000 Building $70,000 | |
| 2025 | $809.00 | $62,000 Land $10,000 Building $52,000 | $62,000 Land $10,000 Building $52,000 |
| 2023 | $797.00 | $62,000 Land $10,000 Building $52,000 | $62,000 Land $10,000 Building $52,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
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 risk around 115 Elm St is low, with a 0.01% annual chance of 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.
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 |
| 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.
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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