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

Kenton County property record for 331 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 3,314 sqft · built 1900
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual Name on Record
Last Sale	$157,500 (Jul 2018)
Tax Bill	$2,154 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-33-09-002.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-09-002.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,314 sqft Finished Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,125 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	331 ELM ST
City	LUDLOW
State	KY
Zip	41016-1450
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	KENNER GEO R PT LOT 41 25'X 125' SS ELM ST
Legal Subdivision	KENNER GEO R
Legal Lot Number	41
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
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	Individual Name on Record
Mailing Address	331 ELM ST, LUDLOW, KY 41016-1450
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERICAN MTG SVC
Jul 31, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2018 · Amount on Record
Deed Sale	Jul 31, 2018 · Amount on Record
Prior Sale	Jun 14, 2016 · Amount on Record
Deed Document Number	201807 31 059 00169
Deed Book / Page	6465 / 341
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	331 ELM ST, LUDLOW, KY 41016-1450
Document Number	0000000189
Instrument Date	Jun 23, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	331 ELM ST LUDLOW KY 410161450, LUDLOW, KY 41016-1450

Mortgage

Document Number	0000000189
Date	Jun 30, 2020
Book Page	000M64/000295
Instrument	189

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 31, 2018
Property Address	331 ELM ST, LUDLOW, KY 41016-1450
Document Number	0000000169
Book / Page	0C6465 / 000341
Instrument Date	Jul 20, 2018
Instrument	169
Transaction Type	Transfer
Record Updated	Aug 22, 2018
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 ELM ST LUDLOW KY 410161450, LUDLOW, KY 41016-1450

Mortgage

Document Number	170
Date	Jul 31, 2018
Book Page	0C6465/000345
Instrument	170

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2048

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		$165,000 (-) Land $15,000 Building $150,000	$165,000 (-) Land $15,000 Building $150,000
2025	$2,154.00 (+1.46%)	$165,000 (-) Land $10,000 Building $155,000	$165,000 (-) Land $10,000 Building $155,000
2023	$2,123.00	$165,000 Land $10,000 Building $155,000	$165,000 Land $10,000 Building $155,000

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	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

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.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures