224 Elm St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 224 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Other Improved
Details	4,147 sqft · built 1885
Lot Size	0.061 acres (2,700 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,350 (2025)
Flood Zone	Zone X (minimal risk)
APN	`026-33-16-020.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-16-020.00`

Interior

Building Area	4,147 sqft Finished Area

Exterior

Year Built	Built 1885
Lot Area	2,700 sqft (0.061 acres)
Lot Dimensions	90 ft deep x 30 ft wide

Location & Zoning

Old Parcel Number	0263316020.00
Street Address	224 ELM ST
City	LUDLOW
State	KY
Zip	41016-3188
Property Category	Other
Property Type	Other > Other Improved
Legal Description	KENNER GEO R PT LOT 18 30'X 90' NEC ELM & EUCLID
Legal Subdivision	KENNER GEO R
Legal Lot Number	18
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1008
Census Tract	66900

Owner

Source: Kenton County records · APN 026-33-16-020.00

Assessment roll updated April 1, 2025 · Last verified December 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	839 ELM ST, LUDLOW, KY 41016-1331
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 23, 1992
Deed Sale	Mar 23, 1992
Deed Document Number	0000010671
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,350.00 (+1.47%)	$180,000 (-) Land $20,000 Building $160,000	$180,000 (-) Land $20,000 Building $160,000
2023	$2,316.00	$180,000 Land $20,000 Building $160,000	$180,000 Land $20,000 Building $160,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 516 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.