Kenton County property record for 213 Elm St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,565 sqft · built 1920 |
| Lot Size | 0.011 acres (500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $118,000 (Oct 2014) |
| Tax Bill | $2,154 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-33-14-011.00 |
| Primary APN | 026-33-14-011.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,565 sqft Finished Area |
| Gross Area | 2,697 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Lot Area | 500 sqft (0.011 acres) |
| Lot Dimensions | 125 ft deep x 4 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 213 ELM ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1547 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW HELEN LOT 7 & 4'X 125' PORTION OF CLOSED ALLEY |
| Legal Subdivision | LUDLOW HELEN |
| Legal Lot Number | 7 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 66900 |
213 Elm St is owned by an individual who bought it in October 2014.
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 | Individual Name on File |
|---|---|
| Mailing Address | 6356 ARABIAN DR, INDEPENDENCE, KY 41051-8434 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 3, 2014 · Amount on File |
| Deed Sale | Oct 3, 2014 · Amount on File |
| Prior Sale | Apr 7, 2011 · Amount on File |
| Deed Document Number | 201410 03 059 00207 |
| Deed Book / Page | 5507 / 240 |
| Prior Transfer Date | May 13, 2010 |
| Prior Transfer Doc | 0005900205 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 213 ELM ST, LUDLOW, KY 41016-1547 |
| Document Number | 0000000067 |
| Book / Page | 0C6286 / 000307 |
| Instrument Date | Oct 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2017 |
| Name | Verified Name |
|---|---|
| Address | 213 ELM ST LUDLOW KY 410161547, LUDLOW, KY 41016-1547 |
| Document Number | 0000000067 |
|---|---|
| Date | Nov 3, 2017 |
| Book Page | 0C6286/000307 |
| Instrument | 67 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 2, 2032 |
The 2025 property tax bill for 213 Elm St was $2,154.
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 | $180,200 (+9.21%) Land $15,000 Building $165,200 | $180,200 (+9.21%) Land $15,000 Building $165,200 | |
| 2025 | $2,154.00 | $165,000 Land $10,000 Building $155,000 | $165,000 Land $10,000 Building $155,000 |
| 2023 | $2,123.00 | $165,000 Land $10,000 Building $155,000 | $165,000 Land $10,000 Building $155,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 213 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 213 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures