Kenton County property record for 239 Elm St, Ludlow, KY 41016
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 3,080 sqft · built 1880 |
| Lot Size | 0.071 acres (3,125 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,593 (2025) |
| Deeds & Mortgages | May 2026 Construction Loan May 2026 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-33-14-003.00 |
| Primary APN | 026-33-14-003.00 |
|---|
| Stories | 3 Stories |
|---|---|
| Building Area | 3,080 sqft Finished Area |
| Year Built | Built 1880 |
|---|---|
| Lot Area | 3,125 sqft (0.071 acres) |
| Lot Dimensions | 125 ft deep x 25 ft wide |
| Old Parcel Number | 0263314003.00 |
|---|---|
| Street Address | 239 ELM ST |
| City | LUDLOW |
| State | KY |
| Zip | 41016-1549 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | LUDLOW HELEN E 25'X 125' LOT 14 SS ELM ST |
| Legal Subdivision | LUDLOW HELEN |
| Legal Lot Number | 14 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 66900 |
Source: Kenton County records · APN 026-33-14-003.00
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 | Company Name on File |
|---|---|
| Mailing Address | PO BOX 1164, FLORENCE, KY 41022-1164 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · Construction Mortgage MUTUAL LENDING SERVICES |
| May 13, 2026 | Deed of Trust, Mortgage · Construction Mortgage G5 HOLDINGS LLC |
| Oct 28, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Oct 28, 2020 |
| Transfer Doc | 0000000172 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 13, 2026 |
| Property Address | 239 ELM ST, LUDLOW, KY 41016-1549 |
| Document Number | 0000009924 |
| Book / Page | 430 / 532 |
| Instrument Date | May 07, 2026 |
| Instrument | 20269924 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Trust, 212 |
| Document Number | 0000009924, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 430/532 |
| Instrument | 20269924 |
| Name | MUTUAL LENDING SERVICES |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 18 Months |
| Due | Nov 30, 2027 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 13, 2026 |
| Property Address | 239 ELM ST, LUDLOW, KY 41016-1549 |
| Document Number | 0000009923 |
| Book / Page | 430 / 526 |
| Instrument Date | May 07, 2026 |
| Instrument | 20269923 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Trust, 212 |
| Document Number | 0000009923, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 430/526 |
| Instrument | 20269923 |
| Name | G5 HOLDINGS LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 18 Months |
| Due | Nov 30, 2027 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 28, 2020 |
| Property Address | 239 ELM ST, LUDLOW, KY 41016-1549 |
| Document Number | 0000000172 |
| Book / Page | 000052 / 000022 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 172 |
| Transaction Type | Transfer |
| Record Updated | Dec 01, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | PO BOX 1164 FLORENCE KY 410221164, FLORENCE, KY 41022-1164 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
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 | $1,593.00 (+1.46%) | $122,000 (-) Land $20,000 Building $102,000 | $122,000 (-) Land $20,000 Building $102,000 |
| 2023 | $1,570.00 | $122,000 Land $20,000 Building $102,000 | $122,000 Land $20,000 Building $102,000 |
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
| 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 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.
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.
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.
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 |
| 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.
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