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

Kenton County property record for 435 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,908 sqft · built 1930
Lot Size	0.108 acres (4,688 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jun 2023)
Tax Bill	$4,571 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-07-015.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-07-015.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,908 sqft Finished Area
Gross Area	2,580 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	4,688 sqft (0.108 acres)
Lot Dimensions	125 ft deep x 37.5 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	435 ELM ST
City	LUDLOW
State	KY
Zip	41016-1427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 7 & W 1/2 LOT 6 37.5'X 125' SS ELM ST
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	7,6
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

435 Elm St is owned by two individuals who bought it in June 2023.

Source: Kenton County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4375 DORSET CT, CONCORD, CA 94521-4220
Owner Type	Individual

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
Jun 13, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage HOME SAVINGS BANK FSB
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 2, 2019	Warranty Deed, Transfer · Conventional with PMI AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2023 · Amount on File
Deed Sale	Jun 13, 2023 · Amount on File
Prior Sale	Apr 2, 2019 · Amount on File
Deed Document Number	202388
Deed Book / Page	230 / 929
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 13, 2023
Property Address	435 ELM ST, LUDLOW, KY 41016-1427
Document Number	0005900088
Book / Page	KC 230 / 929
Map Reference	MB 21 PG 593
Instrument Date	Jun 8, 2023
Instrument	23061305900088
Transaction Type	Transfer
Record Updated	Jun 22, 2023
Title Company	360 AMERICAN TITLE SERVICES

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	814 RIDGEPOINT DR, INDEPENDENCE, KY 41051-8381

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 GRANADA DR, APTOS, CA 95003-5314

Mortgage

Document Number	0005900089
Date	Jun 13, 2023
Book Page	KCM 468/689
Instrument	23061305900089

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	435 ELM ST, LUDLOW, KY 41016-1427
Transaction Type	Mortgage
Record Updated	May 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	814 RIDGEPOINT DR, INDEPENDENCE, KY 41051-8381

Mortgage

Document Number	0005900223
Date	Apr 28, 2023
Book Page	KCM 457/38
Instrument	23042805900223

Lender

Name	HOME SAVINGS BANK FSB
Type	Bank
Address	COVINGTON, KY 41016

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	435 ELM ST, LUDLOW, KY 41016-1427
Transaction Type	Mortgage
Record Updated	Jun 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900320
Date	May 24, 2021
Book Page	219/196
Instrument	21052405900320

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2041

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 2, 2019
Property Address	435 ELM ST, LUDLOW, KY 41016-1427
Document Number	0000000102
Book / Page	0C6630 / 000209
Instrument Date	Mar 29, 2019
Instrument	102
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$149.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	435 ELM ST LUDLOW KY 410161427, LUDLOW, KY 41016-1427

Mortgage

Document Number	103
Date	Apr 2, 2019
Book Page	0C6630/000212
Instrument	103

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 435 Elm St was $4,571.

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		$350,000 (-) Land $15,000 Building $335,000	$350,000 (-) Land $15,000 Building $335,000
2025	$4,571.00	$350,000 Land $10,000 Building $340,000	$350,000 Land $10,000 Building $340,000
2023	$1,929.00	$149,900 Land $10,000 Building $139,900	$149,900 Land $10,000 Building $139,900

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

Flood

FEMA maps place 435 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 435 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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