127 Elm St, Covington, KY 41016 Property Records

Kenton County property record for 127 Elm St, Covington, KY 41016

Property Summary

Property Type	Auto Repair, Garage
Details	built 1885
Lot Size	0.039 acres (1,701 sqft)
Owner	Company Name on Record
Last Sale	$45,000 (Oct 2025)
Tax Bill	$261 (2025)
Deeds & Mortgages	Oct 2025 Sale Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`040-11-01-002.00`

Property Details

APN / Parcel Number

Primary APN	`040-11-01-002.00`

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Lot Area	1,701 sqft (0.039 acres)
Lot Dimensions	41.7 ft deep x 40.8 ft wide

Location & Zoning

Street Address	127 ELM ST
City	COVINGTON
State	KY
Zip	41016
Property Category	Commercial
Property Type	Commercial > Retail > Auto Repair, Garage
Legal Description	LUDLOW ORIG PLAT PT LOT 86 40.79'X 41.67' SS ELM 59' E CARNEAL
Legal Subdivision	LUDLOW ORIGINAL PLAT
Legal Lot Number	86
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2004
Census Tract	66900

Owner

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 Record
Mailing Address	701 BROMLEY CRESCENT SPRINGS RD, CRESCENT SPRINGS, KY 41017-5326
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Warranty Deed, Transfer UNKNOWN, NORTHWEST TTL FAM OF COMPANI
Nov 7, 2022	Deed, Transfer · Commercial Mortgage PEOPLES EXCHANGE BANK STANTON KY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2025 · Amount on Record
Deed Sale	Oct 20, 2025 · Amount on Record
Prior Sale	Jan 17, 1995 · Amount on Record
Deed Document Number	202570
Deed Book / Page	369 / 689
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 20, 2025
Property Address	127 ELM ST, COVINGTON, KY 41016
Document Number	0005900070
Book / Page	KC 369 / 689
Instrument Date	Oct 17, 2025
Instrument	25102005900070
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	UNKNOWN, NORTHWEST TTL FAM OF COMPANI

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 OAK ST, LUDLOW, KY 41016-1440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 BROMLEY CRESCENT SPRINGS RD, CRESCENT SPRINGS, KY 41017-5326

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Nov 7, 2022
Property Address	127 ELM ST, COVINGTON, KY 41016
Document Number	0005900063
Book / Page	198 / 998
Instrument Date	Nov 4, 2022
Instrument	22110705900063
Transaction Type	Transfer
Record Updated	Nov 17, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	851 DEENA DR, 851, VILLA HILLS, KY 41017-1079

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 ELM ST, LUDLOW, KY 41016-1547

Mortgage

Document Number	0005900064
Date	Nov 7, 2022
Book Page	419/622
Instrument	22110705900064

Lender

Name	PEOPLES EXCHANGE BANK STANTON KY
Type	Bank
Address	FT MITCHELL, KY 41017

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	306 Months
Due	May 15, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$45,000 (+125%) Land $10,000 Building $35,000	$45,000 (+125%) Land $10,000 Building $35,000
2025	$261.00 (+0.38%)	$20,000 (-) Land $10,000 Building $10,000	$20,000 (-) Land $10,000 Building $10,000
2024	$260.00 (+1.17%)	$20,000 (-) Land $10,000 Building $10,000	$20,000 (-) Land $10,000 Building $10,000
2023	$257.00	$20,000 Land $10,000 Building $10,000	$20,000 Land $10,000 Building $10,000

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

Flood

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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