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

Kenton County property record for 409 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,609 sqft · built 1930
Lot Size	0.072 acres (3,125 sqft)
Owner	Individual Name on Record
Last Sale	$322,000 (Mar 2026)
Tax Bill	$1,044 (2025)
Deeds & Mortgages	Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`026-33-07-005.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-07-005.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,609 sqft Finished Area
Gross Area	1,644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
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

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	409 ELM ST
City	LUDLOW
State	KY
Zip	41016-1427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNER GEO R PT LOT 43 25'X 125' SS ELM ST
Legal Subdivision	KENNER GEO R
Legal Lot Number	43
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3003
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	411 ELM ST, LUDLOW, KY 41016-1427
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2026 · Amount on Record
Deed Sale	Mar 26, 2026 · Amount on Record
Prior Sale	Aug 27, 2021 · Amount on Record
Deed Document Number	202603266151
Deed Book / Page	406 / 271
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 27, 2021
Property Address	409 ELM ST, LUDLOW, KY 41016-1427
Document Number	0005900023
Book / Page	113 / 891
Map Reference	PL 133
Instrument Date	Aug 19, 2021
Instrument	21082705900023
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 EASTON AVE, 22, ELSMERE, KY 41018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	417 ELM ST, LUDLOW, KY 41016-1427

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		$156,600 (+95.75%) Land $15,000 Building $141,600	$156,600 (+95.75%) Land $15,000 Building $141,600
2025	$1,044.00 (+1.46%)	$80,000 (-) Land $10,000 Building $70,000	$80,000 (-) Land $10,000 Building $70,000
2023	$1,029.00	$80,000 Land $10,000 Building $70,000	$80,000 Land $10,000 Building $70,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	12 (1997–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 10 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.

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