132 Elm St, Covington, KY 41016 Property Records

Kenton County property record for 132 Elm St, Covington, KY 41016

Property Summary

Property Type	Medical Building
Details	4,667 sqft · built 2012
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on Record
Last Sale	$88,000 (Aug 2010)
Tax Bill	$8,489 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-33-19-021.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-19-021.00`

Interior

Building Area	4,667 sqft Finished Area

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	98 ft deep x 100 ft wide

Location & Zoning

Street Address	132 ELM ST
City	COVINGTON
State	KY
Zip	41016
Property Category	Commercial
Property Type	Commercial > Office > Medical Building
Legal Description	LUDLOW ORIG PLAT LOT 50 & PT 49-51 100'X 98.08' NEC ELM & CARNEAL LESS PARCEL SOLD TO COMM
Legal Subdivision	LUDLOW ORIGINAL PLAT
Legal Lot Number	50,49
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1007
Census Tract	66900

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	592 PALMER CT, CRESTVIEW HILLS, KY 41017-3481
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 1, 2020	Deed of Trust, Mortgage · Line of Credit TR AGREEMENT OF CARLA LIT (RT)
Jan 1, 2020	Deed of Trust, Mortgage LITMER WILLIAM J TRUST (RT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2010 · Amount on Record
Deed Sale	Aug 25, 2010 · Amount on Record
Prior Sale	Sep 11, 1998 · Amount on Record
Deed Document Number	201008 25 059 00201
Deed Book / Page	4366 / 307
Prior Transfer Date	Aug 24, 2010
Prior Transfer Doc	0005900201
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	132 ELM ST, COVINGTON, KY 41016
Document Number	0000000085
Instrument Date	Jan 1, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3004 MADONNA DR EDGEWOOD KY 410172621, EDGEWOOD, KY 41017-2621

Mortgage

Document Number	0000000085
Date	Mar 13, 2020
Book Page	000019/000556
Instrument	85

Lender

Name	TR AGREEMENT OF CARLA LIT (RT)
Address	3004 MADONNA DR, EDGEWOOD, KY 41017-2621

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Mar 12, 2025

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	132 ELM ST, COVINGTON, KY 41016
Document Number	0000000086
Instrument Date	Jan 1, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4 MADONNA LN EDGEWOOD KY 41017, EDGEWOOD, KY 41017

Mortgage

Document Number	0000000086
Date	Mar 13, 2020
Book Page	000019/000563
Instrument	86

Lender

Name	LITMER WILLIAM J TRUST (RT)
Address	3004 MADONNA DR, EDGEWOOD, KY 41017-2621

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Mar 12, 2025

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		$650,000 (-) Land $55,000 Building $595,000	$650,000 (-) Land $55,000 Building $595,000
2025	$8,489.00 (+1.48%)	$650,000 (-) Land $55,000 Building $595,000	$650,000 (-) Land $55,000 Building $595,000
2023	$8,365.00	$650,000 Land $55,000 Building $595,000	$650,000 Land $55,000 Building $595,000

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	3 in force
Nearby Flood Claims	7 (1978–2014)
Most Recent Claim	Jun 2014 · river or lake flooding
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 5 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

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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