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

Kenton County property record for 237 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4,893 sqft · built 1890
Lot Size	0.06 acres (2,625 sqft)
Owner	Company Name on Record
Last Sale	$215,000 (Jun 2022)
Tax Bill	$2,807 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-33-14-004.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-14-004.00`

Interior

Stories	3 Stories
Building Area	4,893 sqft Finished Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	2,625 sqft (0.06 acres)
Lot Dimensions	125 ft deep x 21 ft wide

Location & Zoning

Street Address	237 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 21'X 125' SS ELM 76' 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

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	Company Name on Record
Mailing Address	13 LOCUST ST, LUDLOW, KY 41016-1557
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Jun 28, 2022	Warranty Deed, Transfer · Conventional Mortgage HOME SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2022 · Amount on Record
Deed Sale	Jun 28, 2022 · Amount on Record
Prior Sale	Aug 18, 1995 · Amount on Record
Deed Document Number	2022102
Deed Book / Page	173 / 870
Prior Transfer Date	Jun 11, 2013
Prior Transfer Doc	0005900325
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jul 31, 2026
Property Address	237 ELM ST, LUDLOW, KY 41016-1547
Document Number	0000016787
Book / Page	469 / 780
Instrument Date	Jul 17, 2026
Instrument	202616787
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	13 LOCUST ST, LUDLOW, KY 41016-1557

Mortgage

Document Number	0000016787,
Date	Jul 31, 2026
Book Page	469/780
Instrument	202616787

Lender

Name	GUARDIAN SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 28, 2022
Property Address	237 ELM ST, LUDLOW, KY 41016-1547
Document Number	0005900102
Book / Page	173 / 870
Map Reference	PL 160
Instrument Date	Jun 24, 2022
Instrument	22062805900102
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	837 WESLEY DR, VILLA HILLS, KY 41017-1036

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 LOCUST ST, LUDLOW, KY 41016-1557

Mortgage

Document Number	0005900103
Date	Jun 28, 2022
Book Page	384/138
Instrument	22062805900103

Lender

Name	HOME SAVINGS BANK FSB
Type	Bank
Address	COVINGTON, KY 41016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2042

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		$235,000 (+9.3%) Land $20,000 Building $215,000	$235,000 (+9.3%) Land $20,000 Building $215,000
2025	$2,807.00 (+1.45%)	$215,000 (-) Land $20,000 Building $195,000	$215,000 (-) Land $20,000 Building $195,000
2023	$2,767.00 (+57.22%)	$215,000 (+55.8%) Land $20,000 Building $195,000	$215,000 (+55.8%) Land $20,000 Building $195,000
2022	$1,760.00	$138,000 Land $20,000 Building $118,000	$138,000 Land $20,000 Building $118,000

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	6 in force
Nearby Flood Claims	1 (1997)
Most Recent Claim	Mar 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

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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