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

Kenton County property record for 440 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,254 sqft · built 1910
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,644 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`026-33-06-023.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-06-023.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,254 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	110 ft deep x 30 ft wide
Garage Type	Basement
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	440 ELM ST
City	LUDLOW
State	KY
Zip	41016-1428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VICTORIA W 2 1/2' LOT 7 ALL LOT 8 30' NS ELM 487 4,10' W KENNER
Legal Subdivision	VICTORIA ADD-LUDLOW
Legal Lot Number	8
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3002
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

440 Elm St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	440 ELM ST, LUDLOW, KY 41016-1428
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	440 ELM ST, LUDLOW, KY 41016-1428
Transaction Type	Mortgage
Record Updated	Dec 5, 2025
Title Company	UNKNOWN, ENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 ELM ST, LUDLOW, KY 41016-1428

Mortgage

Document Number	0005900024
Date	Nov 19, 2025
Book Page	KCM 707/794
Instrument	25111905900024

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 440 Elm St was $1,644 with a homeowner's exemption.

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		$230,800 (+31.89%) Land $15,000 Building $215,800	$230,800 (+31.89%) Land $15,000 Building $215,800
2025	$1,644.00 Homeowner's exemption	$175,000 Land $10,000 Building $165,000	$175,000 Land $10,000 Building $165,000
2023	$1,655.00 Homeowner's exemption	$175,000 Land $10,000 Building $165,000	$175,000 Land $10,000 Building $165,000

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

Flood

FEMA maps place 440 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 440 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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