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

Kenton County property record for 225 Elm St, Ludlow, KY 41016

Property Summary

Property TypeMixed Use Commercial Office / Residential
Details2,350 sqft · built 1905
Lot Size0.029 acres (1,269 sqft)
OwnerCompany Name on File
Last Sale$200,000 (Mar 2021)
Tax Bill$2,612 (2025)
Deeds & MortgagesMar 2021 Sale
Jan 2018 Sale
Flood ZoneZone X (minimal risk)
APN026-33-14-006.00

Property Details

APN / Parcel Number

Primary APN026-33-14-006.00

Interior

Units10 Units
Building Area2,350 sqft Finished Area

Exterior

Year BuiltBuilt 1905
Effective Year BuiltEffective 1905
Lot Area1,269 sqft (0.029 acres)
Lot Dimensions47.7 ft deep x 26.6 ft wide

Location & Zoning

Street Address225 ELM ST
CityLUDLOW
StateKY
Zip41016-1547
Property CategoryCommercial
Property TypeCommercial > Office > Mixed Use Commercial Office / Residential
Legal DescriptionLUDLOW HELEN W 26.6'X 47.7' LOT 10
Legal SubdivisionLUDLOW HELEN
Legal Lot Number10
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group2
Census Block2024
Census Tract66900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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

225 Elm St, a commercial property, is owned by a company that bought it in March 2021.

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

Owner of RecordCompany Name on File
Mailing Address1245 GOLF CIR, WHEATON, IL 60189-6330
Owner TypeCompany
VestingCompany

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Mar 11, 2021Warranty Deed, Transfer
Jan 2, 2018Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 11, 2021 · Amount on File
Deed SaleMar 11, 2021 · Amount on File
Prior SaleJan 2, 2018 · Amount on File
Deed Document Number20215900165
Deed Book / Page76 / 956
Record UpdatedOct 29, 2026

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMar 11, 2021
Property Address225 ELM ST, LUDLOW, KY 41016-1547
Document Number0005900165
Book / Page76 / 956
Map ReferencePL 160
Instrument DateMar 2, 2021
Instrument21031105900165
Transaction TypeTransfer
Record UpdatedJan 18, 2022

Transaction

AmountAmount on Record
Tax$200.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address27 E 4TH ST, 27, COVINGTON, KY 41011-1509

Transferred To (Grantee/Buyer)

NameVerified Name
Address1245 GOLT CIRCLE, WHEATON, IL 60189-6330

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJan 2, 2018
Property Address225 ELM ST, LUDLOW, KY 41016-1547
Document Number0000000091
Book / Page0C6325 / 000248
Instrument DateDec 29, 2017
Instrument91
Transaction TypeTransfer
Record UpdatedJan 22, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$125.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address225 ELM ST LUDLOW KY 410161547, LUDLOW, KY 41016-1547

Tax Assessment & Valuation

The 2025 property tax bill for 225 Elm St was $2,612.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityLudlow City
Unified School DistrictLudlow Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$200,000 (-) Land $15,000 Building $185,000$200,000 (-) Land $15,000 Building $185,000
2025$2,612.00$200,000 Land $15,000 Building $185,000$200,000 Land $15,000 Building $185,000
2023$2,574.00$200,000 Land $15,000 Building $185,000$200,000 Land $15,000 Building $185,000

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

Flood

FEMA maps place 225 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims1 (1997)
Most Recent ClaimMar 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

Wildfire risk around 225 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 RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureIndirect
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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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