121 Adela Ave, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 121 Adela Ave, Ludlow, KY 41016

Property Summary

Property Type	Other Improved
Details	4,257 sqft · built 1950
Lot Size	0.053 acres (2,294 sqft)
Owner	Company Name on File
Last Sale	$525,000 (Apr 2025)
Tax Bill	$3,552 (2025)
Deeds & Mortgages	Oct 2025 Sale Apr 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-07-037.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-07-037.00`

Interior

Units	8 Units
Building Area	4,257 sqft Finished Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	2,294 sqft (0.053 acres)
Lot Dimensions	74.1 ft deep x 31.1 ft wide

Location & Zoning

Street Address	121 ADELA AVE
City	LUDLOW
State	KY
Zip	41016-1474
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LUDLOW 2ND PART PT LOTS 25-26 31.05'X 74.07' IRREG NEC OAK & ADELA
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	25,26
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3006
Census Tract	66900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Central Ludlow Historic District listed 1984 · 343 contributing resources · NRIS 84000526

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

121 Adela Ave is owned by a company that bought it in April 2025.

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	3207 HIGH RIDGE DR, TAYLOR MILL, KY 41015-4488
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2025	Lease, Transfer
Apr 28, 2025	Warranty Deed, Transfer · Commercial Mortgage STOCK YARDS BANK & TRUST CO
Sep 28, 2020	Deed of Trust, Mortgage · Line of Credit REPUBLIC BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2025 · Amount on File
Deed Sale	Apr 28, 2025 · Amount on File
Prior Sale	May 28, 2024 · Amount on File
Deed Document Number	202530
Deed Book / Page	340 / 68
Record Updated	Oct 29, 2026

October 2025: Lease, Transfer

Document Type	Lease
Jurisdiction	KENTON KY
Recording Date	Oct 13, 2025
Property Address	121 ADELA AVE, LUDLOW, KY 41016-1474
Document Number	0005900095
Book / Page	KC 367 / 860
Instrument Date	May 30, 2025
Instrument	25101305900095
Transaction Type	Transfer
Record Updated	Oct 29, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 WINTON RD, CINCINNATI, OH 45232-1508
Investor	Possibly a Property Investor

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 28, 2025
Property Address	121 ADELA AVE, LUDLOW, KY 41016-1474
Document Number	0005900030
Book / Page	KC 340 / 68
Instrument Date	Apr 21, 2025
Instrument	25042805900030
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	IVY POINTE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1649 GARVEY AVE, ELSMERE, KY 41018-2540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3207 HIGH RIDGE DR, TAYLOR MILL, KY 41015-4488

Mortgage

Document Number	0005900031
Date	Apr 28, 2025
Instrument	25042805900031

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 21, 2030

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	121 ADELA AVE, LUDLOW, KY 41016-1474
Document Number	0000000017
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	324 FAIRFIELD AVE BELLEVUE KY 410733483, BELLEVUE, KY 41073-3483

Mortgage

Document Number	0000000017
Date	Oct 9, 2020
Book Page	00M109/000121
Instrument	17

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 8, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 121 Adela Ave was $3,552, up 76.3% from the year before.

Source: Kenton County assessment roll, as of December 2, 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
2026		$525,000 (+93.01%) Land $20,000 Building $505,000	$525,000 (+93.01%) Land $20,000 Building $505,000
2025	$3,552.00 (+76.28%)	$272,000 (+75.48%) Land $15,000 Building $257,000	$272,000 (+75.48%) Land $15,000 Building $257,000
2024	$2,015.00 (+1.05%)	$155,000 (-) Land $15,000 Building $140,000	$155,000 (-) Land $15,000 Building $140,000
2023	$1,994.00	$155,000 Land $15,000 Building $140,000	$155,000 Land $15,000 Building $140,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 121 Adela Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	12 (1997–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 10 claims

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

Wildfire risk around 121 Adela Ave 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.

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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