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

Kenton County property record for 236 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,200 sqft · built 1884
Lot Size	0.009 acres (400 sqft)
Owner	Individual Name on File
Last Sale	$8,000 (Jul 2017)
Tax Bill	$611 (2025)
Deeds & Mortgages	Aug 2018 Sale Jul 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`026-33-13-013.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-13-013.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,200 sqft Finished Area

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1884
Exterior Material	Brick
Foundation Type	Block
Lot Area	400 sqft (0.009 acres)
Lot Dimensions	100 ft deep x 4 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	236 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 1,4'X 100' NS ELM 71 1/2' 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

236 Elm St is owned by an individual who bought it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	317 ELM ST, LUDLOW, KY 41016-1572
Owner Type	Individual

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

Date	Document
Aug 21, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jul 21, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2017 · Amount on File
Deed Sale	Jul 21, 2017 · Amount on File
Deed Document Number	201707 21 059 00129
Deed Book / Page	6207 / 165
Record Updated	Oct 29, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 21, 2018
Property Address	236 ELM ST, LUDLOW, KY 41016-1548
Document Number	0000000039
Book / Page	0C6480 / 000296
Instrument Date	Aug 14, 2018
Instrument	39
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$35.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 ELM ST LUDLOW KY 410161450, LUDLOW, KY 41016-1450

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 21, 2017
Property Address	236 ELM ST, LUDLOW, KY 41016-1548
Document Number	0000000129
Book / Page	0C6207 / 000165
Instrument Date	Jul 20, 2017
Instrument	129
Transaction Type	Transfer
Record Updated	Aug 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$8.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	34 BUTLER ST LUDLOW KY 410161448, LUDLOW, KY 41016-1448

Tax Assessment & Valuation

The 2025 property tax bill for 236 Elm St was $611.

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		$112,300 (+139.96%) Land $15,000 Building $97,300	$112,300 (+139.96%) Land $15,000 Building $97,300
2025	$611.00	$46,800 Land $10,000 Building $36,800	$46,800 Land $10,000 Building $36,800
2023	$602.00	$46,800 Land $10,000 Building $36,800	$46,800 Land $10,000 Building $36,800

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

Flood

FEMA maps place 236 Elm St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1978.

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

Wildfire risk around 236 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.

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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