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

Kenton County property record for 232 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,352 sqft · built 1884
Lot Size	0.032 acres (1,410 sqft)
Owner	Individual Name on Record
Last Sale	$168,798 (Nov 2018)
Tax Bill	$2,416 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Nov 2018 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`026-33-13-011.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-13-011.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,352 sqft Finished Area
Gross Area	1,412 sqft

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1884
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	1,410 sqft (0.032 acres)
Lot Dimensions	100 ft deep x 14.1 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	232 ELM ST
City	LUDLOW
State	KY
Zip	41016-1548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LATTA ESTATE PT LOT 1 14.1'X 100' NS ELM 43' W EUCLID
Legal Subdivision	LATTA ESTATE
Legal Lot Number	1
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1010
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	232 ELM ST, LUDLOW, KY 41016-1548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2020	Deed of Trust, Mortgage · Conventional with PMI FIRST EQUITY MTG INC
Nov 9, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST EQUITY MTG INC
Dec 6, 2017	Deed of Trust, Mortgage CATALYTIC DEV FUNDING CORP
Dec 6, 2017	Deed of Trust, Mortgage · Line of Credit CATALYTIC DEV FUNDING CORP
Dec 6, 2017	Deed of Trust, Mortgage KENTUCKY HSNG
Dec 1, 2017	Grant Deed, Transfer ATTORNEY ONLY
Jul 3, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2018 · Amount on Record
Deed Sale	Nov 9, 2018 · Amount on Record
Prior Sale	Dec 1, 2017 · Amount on Record
Deed Document Number	201811 09 059 00057
Deed Book / Page	6542 / 157
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	232 ELM ST, LUDLOW, KY 41016-1548
Document Number	0000000094
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	TERRY MONNIE TITLE COMPANY, TERRY MONNIE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 ELM ST LUDLOW KY 410161548, LUDLOW, KY 41016-1548

Mortgage

Document Number	0000000094
Date	Jun 26, 2020
Book Page	000M63/000143
Instrument	94

Lender

Name	FIRST EQUITY MTG INC
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jun 25, 2035

November 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 9, 2018
Property Address	232 ELM ST, LUDLOW, KY 41016-1548
Document Number	0000000057
Book / Page	0C6542 / 000157
Instrument Date	Nov 7, 2018
Instrument	57
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 30, 2018
Title Company	TERRY MONNIE TITLE COMPANY, TERRY MONNIE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3080 BARONS COVE DR EDGEWOOD KY 410178131, EDGEWOOD, KY 41017-8131

Mortgage

Document Number	58
Date	Nov 9, 2018
Book Page	0C6542/000160
Instrument	58

Lender

Name	FIRST EQUITY MTG INC
Address	FT MITCHELL, KY 41017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	232 ELM ST, LUDLOW, KY 41016-1548
Document Number	0000000185
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	417 ELM ST LUDLOW KY 410161427, LUDLOW, KY 41016-1427

Mortgage

Document Number	0000000185
Date	Dec 7, 2017
Book Page	0C6311/000240
Instrument	185

Lender

Name	CATALYTIC DEV FUNDING CORP
Address	50 E RIVERCENTER BLVD # 429, COVINGTON, KY 41011-1602

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Dec 6, 2022

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	232 ELM ST, LUDLOW, KY 41016-1548
Document Number	1712070590
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	417 ELM ST LUDLOW KY 410161427, LUDLOW, KY 41016-1427

Mortgage

Document Number	1712070590
Date	Dec 7, 2017
Book Page	0C6311/000240
Instrument	1712070590

Lender

Name	CATALYTIC DEV FUNDING CORP
Address	50 E RIVERCENTER BLVD # 429, COVINGTON, KY 41011-1602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Dec 6, 2022

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	232 ELM ST, LUDLOW, KY 41016-1548
Document Number	0000000165
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	417 ELM ST LUDLOW KY 410161427, LUDLOW, KY 41016-1427

Mortgage

Document Number	0000000165
Date	Dec 7, 2017
Book Page	0C6311/000240
Instrument	165

Lender

Name	KENTUCKY HSNG
Address	50 E RIVERCENTER BLVD # 429, COVINGTON, KY 41011-1602

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Dec 6, 2022

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 1, 2017
Property Address	232 ELM ST, LUDLOW, KY 41016-1548
Document Number	0000000088
Book / Page	0C6305 / 000206
Instrument Date	Nov 30, 2017
Instrument	88
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$24.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 3, 2017
Property Address	232 ELM ST, LUDLOW, KY 41016-1548
Document Number	0000000331
Book / Page	0C6193 / 000079
Instrument Date	Jun 30, 2017
Instrument	331
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$24.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 ELM ST LUDLOW KY 410161548, LUDLOW, KY 41016-1548

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		$185,000 (-) Land $15,000 Building $170,000	$185,000 (-) Land $15,000 Building $170,000
2025	$2,416.00 (+1.51%)	$185,000 (-) Land $10,000 Building $175,000	$185,000 (-) Land $10,000 Building $175,000
2023	$2,380.00	$185,000 Land $10,000 Building $175,000	$185,000 Land $10,000 Building $175,000

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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