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

Kenton County property record for 235 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	7,916 sqft · built 1925
Lot Size	0.091 acres (4,000 sqft)
Owner	Individual Name on File
Tax Bill	$2,481 (2025)
Flood Zone	Zone X (minimal risk)
APN	`026-33-14-005.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-14-005.00`

Interior

Building Area	7,916 sqft Finished Area

Exterior

Year Built	Built 1925
Lot Area	4,000 sqft (0.091 acres)
Lot Dimensions	125 ft deep x 32 ft wide

Location & Zoning

Old Parcel Number	0263314005.00
Street Address	235 ELM ST
City	LUDLOW
State	KY
Zip	41016-1547
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	LUDLOW HELEN PT LOT 13 32'X 125' SS ELM 97' E DAVIES
Legal Subdivision	LUDLOW HELEN
Legal Lot Number	13
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2024
Census Tract	66900

Owner

Source: Kenton County records · APN 026-33-14-005.00

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	Individual Name on File
Mailing Address	235 ELM ST, LUDLOW, KY 41016-1547
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 23, 1992
Deed Sale	Nov 23, 1992
Deed Document Number	0001087327
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	$2,481.00 (+1.47%)	$190,000 (-) Land $20,000 Building $170,000	$190,000 (-) Land $20,000 Building $170,000
2023	$2,445.00	$190,000 Land $20,000 Building $170,000	$190,000 Land $20,000 Building $170,000

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	6 in force
Nearby Flood Claims	1 (1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes

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.