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

Kenton County property record for 427 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,664 sqft · built 1930
Lot Size	0.072 acres (3,125 sqft)
Owner	2 Individual Names on File
Last Sale	$196,500 (Jul 2024)
Tax Bill	$2,566 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-07-018.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-07-018.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,664 sqft Finished Area
Gross Area	2,176 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Metal
Lot Area	3,125 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	427 ELM ST
City	LUDLOW
State	KY
Zip	41016-1427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 3 25'X 125' SS ELM ST
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	3
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

427 Elm St is owned and occupied by two individuals who bought it in July 2024.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	427 ELM ST, LUDLOW, KY 41016-1427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2024	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATI
Aug 3, 2022	Warranty Deed, Transfer · FHA Mortgage WESTERN OHIO MORTGAGE CORP
Apr 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage HERITAGE SOUTHEAST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2024 · Amount on File
Deed Sale	Jul 15, 2024 · Amount on File
Prior Sale	Aug 3, 2022 · Amount on File
Deed Document Number	202421
Deed Book / Page	294 / 454
Record Updated	Oct 29, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 15, 2024
Property Address	427 ELM ST, LUDLOW, KY 41016-1427
Document Number	0005900021
Book / Page	KC 294 / 454
Instrument Date	Nov 15, 2023
Instrument	24071505900021
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	IVY POINTE TITLE LLC

Transaction

Amount	Amount on Record
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	3709 DEARMAN CT, LEXINGTON, KY 40509-2917

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	427 ELM ST, LUDLOW, KY 41016-1427

Mortgage

Document Number	0005900022
Date	Jul 15, 2024
Instrument	24071505900022

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATI
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 3, 2022
Property Address	427 ELM ST, LUDLOW, KY 41016-1427
Document Number	0005900114
Book / Page	180 / 874
Instrument Date	Jul 29, 2022
Instrument	22080305900114
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
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	6960 GLEN ARBOR DR, 6960, FLORENCE, KY 41042-7079

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	427 ELM ST, LUDLOW, KY 41016-1427

Mortgage

Document Number	0005900115
Date	Aug 3, 2022
Book Page	394/182
Instrument	22080305900115

Lender

Name	WESTERN OHIO MORTGAGE CORP
Type	Mortgage Company
Address	SIDNEY, OH 45365

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	427 ELM ST, LUDLOW, KY 41016-1427
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6960 GLEN ARBOR DR, FLORENCE, KY 41042-7079

Mortgage

Document Number	0005900174
Date	Apr 1, 2021
Book Page	194/267
Instrument	21040105900174

Lender

Name	HERITAGE SOUTHEAST BANK
Type	Bank
Address	UNION, KY 41091

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	11 Months
Due	Mar 17, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 427 Elm St was $2,566.

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		$196,500 (-) Land $15,000 Building $181,500	$196,500 (-) Land $15,000 Building $181,500
2025	$2,566.00	$196,500 Land $10,000 Building $186,500	$196,500 Land $10,000 Building $186,500
2023	$2,445.00	$190,000 Land $10,000 Building $180,000	$190,000 Land $10,000 Building $180,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 427 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 427 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.

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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