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

Kenton County property record for 413 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,685 sqft · built 1930
Lot Size	0.106 acres (4,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$312,000 (Aug 2024)
Tax Bill	$4,074 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-33-07-003.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-07-003.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,685 sqft Finished Area
Gross Area	2,211 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	4,625 sqft (0.106 acres)
Lot Dimensions	125 ft deep x 37 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	413 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 37'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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	413 ELM ST, LUDLOW, KY 41016-1427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 14, 2020	Deed of Trust, Mortgage UNION HM MTG CORP
Sep 18, 2020	Warranty Deed, Transfer · Conventional with PMI UNION HM MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2024 · Amount on Record
Deed Sale	Aug 9, 2024 · Amount on Record
Prior Sale	Sep 18, 2020 · Amount on Record
Deed Document Number	202438
Deed Book / Page	299 / 262
Record Updated	Oct 29, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 9, 2024
Property Address	413 ELM ST, LUDLOW, KY 41016-1427
Document Number	0005900038
Book / Page	KC 299 / 262
Map Reference	PL 133
Instrument Date	Aug 6, 2024
Instrument	24080905900038
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	AMERICAN HOMELAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1976 FREEDOM TRL, INDEPENDENCE, KY 41051-8628

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	413 ELM ST, LUDLOW, KY 41016-1427

Mortgage

Document Number	0005900039
Date	Aug 9, 2024
Instrument	24080905900039

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	413 ELM ST, LUDLOW, KY 41016-1427
Document Number	0000000203
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 8, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 ELM ST LUDLOW KY 410161427, LUDLOW, KY 41016-1427

Mortgage

Document Number	0000000203
Date	Sep 18, 2020
Book Page	000M99/000496
Instrument	203

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 18, 2020
Property Address	413 ELM ST, LUDLOW, KY 41016-1427
Document Number	0000000203
Book / Page	000044 / 000280
Instrument Date	Sep 11, 2020
Instrument	203
Transaction Type	Transfer
Record Updated	Oct 22, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 ELM ST LUDLOW KY 410161427, LUDLOW, KY 41016-1427

Mortgage

Document Number	0000000203
Date	Sep 18, 2020
Book Page	000M99/000496
Instrument	203

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2050

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		$312,000 (-) Land $15,000 Building $297,000	$312,000 (-) Land $15,000 Building $297,000
2025	$4,074.00 (+59.08%)	$312,000 (+56.78%) Land $10,000 Building $302,000	$312,000 (+56.78%) Land $10,000 Building $302,000
2023	$2,561.00	$199,000 Land $10,000 Building $189,000	$199,000 Land $10,000 Building $189,000

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
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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