Kenton County property record for 323 Elm St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,446 sqft · built 1880 |
| Lot Size | 0.072 acres (3,125 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (May 2022) |
| Tax Bill | $3,003 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-33-09-006.00 |
| Primary APN | 026-33-09-006.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,446 sqft Finished Area |
| Gross Area | 2,558 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,125 sqft (0.072 acres) |
| Lot Dimensions | 125 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 323 ELM ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KENNER GEO R PT LOT 40 25'X 125' SS ELM 150' E KENNER |
| Legal Subdivision | KENNER GEO R |
| Legal Lot Number | 40 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 66900 |
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.
323 Elm St is owned and occupied by an individual who bought it in May 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 323 ELM ST, LUDLOW, KY 41016-1450 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2022 · Amount on File |
| Deed Sale | May 12, 2022 · Amount on File |
| Prior Sale | Jul 25, 2011 · Amount on File |
| Deed Document Number | 2022108 |
| Deed Book / Page | 165 / 206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 12, 2022 |
| Property Address | 323 ELM ST, LUDLOW, KY 41016-1450 |
| Document Number | 0005900108 |
| Book / Page | 165 / 206 |
| Map Reference | PL 133 |
| Instrument Date | May 9, 2022 |
| Instrument | 22051205900108 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15217 CARLI CT, 15217, CRITTENDEN, KY 41030-8493 |
| Name | Verified Name |
|---|---|
| Address | 323 ELM ST, LUDLOW, KY 41016-1450 |
| Document Number | 0005900109 |
|---|---|
| Date | May 12, 2022 |
| Book Page | 370/633 |
| Instrument | 22051205900109 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
The 2025 property tax bill for 323 Elm St was $3,003.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $230,000 (-) Land $15,000 Building $215,000 | $230,000 (-) Land $15,000 Building $215,000 | |
| 2025 | $3,003.00 | $230,000 Land $10,000 Building $220,000 | $230,000 Land $10,000 Building $220,000 |
| 2023 | $2,960.00 | $230,000 Land $10,000 Building $220,000 | $230,000 Land $10,000 Building $220,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 323 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 |
|
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 risk around 323 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.
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 |
| 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.
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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