Kenton County property record for 428 Elm St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,820 sqft · built 1920 |
| Lot Size | 0.093 acres (4,070 sqft) |
| Owner | Company Name on File |
| Last Sale | $80,000 (Jun 2011) |
| Tax Bill | $1,697 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-33-06-018.00 |
| Primary APN | 026-33-06-018.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,820 sqft Finished Area |
| Gross Area | 2,082 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 4,070 sqft (0.093 acres) |
| Lot Dimensions | 110 ft deep x 37 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 428 ELM ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VICTORIA PT LOTS 2-3 37'X 110' 37' NS ELM 314 4,10' W KENNER |
| Legal Subdivision | VICTORIA ADD-LUDLOW |
| Legal Lot Number | 2,3 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3002 |
| 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.
428 Elm St is owned by a company that bought it in June 2011.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 206 KENTON ST, BROMLEY, KY 41016-1231 |
| Owner Type | Company |
| Vesting | Company |
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 | Jun 28, 2011 · Amount on File |
| Deed Sale | Jun 28, 2011 · Amount on File |
| Deed Document Number | 201106 28 059 00361 |
| Deed Book / Page | 4594 / 39 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 428 Elm St was $1,697.
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 | $185,100 (+42.38%) Land $15,000 Building $170,100 | $185,100 (+42.38%) Land $15,000 Building $170,100 | |
| 2025 | $1,697.00 | $130,000 Land $10,000 Building $120,000 | $130,000 Land $10,000 Building $120,000 |
| 2023 | $1,673.00 | $130,000 Land $10,000 Building $120,000 | $130,000 Land $10,000 Building $120,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 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 |
|
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 428 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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