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

Kenton County property record for 213 Adela Ave, Ludlow, KY 41016

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 2,353 sqft · built 1930
Lot Size	0.135 acres (5,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Aug 2024)
Tax Bill	$3,787 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-08-038.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-08-038.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,353 sqft Finished Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	5,900 sqft (0.135 acres)
Lot Dimensions	59 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	213 ADELA AVE
City	LUDLOW
State	KY
Zip	41016-1420
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LUDLOW 2ND PART S PT LOT 58 100'X 59' IRREG
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	58
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3007
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

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	2 Individual Names on Record
Mailing Address	213 ADELA AVE, LUDLOW, KY 41016-1420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2021	Deed of Trust, Mortgage · Commercial Mortgage LIMA ONE CAPITAL LLC
Feb 24, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Feb 1, 2021	Warranty Deed, Transfer · Commercial Mortgage LIMA ONE CAPITAL LLC
Oct 23, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2024 · Amount on Record
Deed Sale	Aug 30, 2024 · Amount on Record
Prior Sale	Feb 24, 2023 · Amount on Record
Deed Document Number	202473
Deed Book / Page	302 / 888
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	213 ADELA AVE, LUDLOW, KY 41016-1420
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1417 GLENWOOD CT, AMELIA, OH 45102-2553

Mortgage

Document Number	0005900280
Date	Dec 2, 2021
Book Page	309/825
Instrument	21120205900280

Lender

Name	LIMA ONE CAPITAL LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 24, 2023
Property Address	213 ADELA AVE, LUDLOW, KY 41016-1420
Document Number	0005900037
Book / Page	KC 214 / 925
Map Reference	PL 158
Instrument Date	Feb 22, 2023
Instrument	23022405900037
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
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	2313 MADISON AVE # 11, 11, COVINGTON, KY 41014-1236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6023 SCOTCH PINE DR, MILFORD, OH 45150-6552
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900038
Date	Feb 24, 2023
Book Page	KCM 442/273
Instrument	23022405900038

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 1, 2021
Property Address	213 ADELA AVE, LUDLOW, KY 41016-1420
Document Number	0005900119
Book / Page	69 / 63
Map Reference	PL 158
Instrument Date	Jan 26, 2021
Instrument	21020105900119
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	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	PO BOX 480, HEBRON, KY 41048-0480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1417 CLENWOOD COURT, AMELIA, OH 45102
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900121
Date	Feb 1, 2021
Instrument	21020105900121

Lender

Name	LIMA ONE CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Mar 1, 2022

Mortgage

Document Number	0005900120
Date	Feb 1, 2021
Book Page	160/762
Instrument	21020105900120

Lender

Name	LIMA ONE CAPITAL LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 23, 2020
Property Address	213 ADELA AVE, LUDLOW, KY 41016-1420
Document Number	0000510271
Book / Page	000051 / 000271
Instrument Date	Oct 16, 2020
Transaction Type	Transfer
Record Updated	Nov 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$58.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 480 FALMOUTH KY 41040, FALMOUTH, KY 41040
Investor	Possibly a Property Investor

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		$290,000 (-) Land $15,000 Building $275,000	$290,000 (-) Land $15,000 Building $275,000
2025	$3,787.00 (+170.11%)	$290,000 (+166.06%) Land $10,000 Building $280,000	$290,000 (+166.06%) Land $10,000 Building $280,000
2023	$1,402.00	$109,000 Land $10,000 Building $99,000	$109,000 Land $10,000 Building $99,000

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
Flood Insurance Cost	Premium on Record 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

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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