Kenton County property record for 445 Elm St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,710 sqft · built 1905 |
| Lot Size | 0.072 acres (3,125 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Aug 2006) |
| Tax Bill | $2,024 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-07-010.00 |
| Primary APN | 026-34-07-010.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,710 sqft Finished Area |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,125 sqft (0.072 acres) |
| Lot Dimensions | 125 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 445 ELM ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 12 25'X 125' |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 12 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3003 |
| 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.
Source: Kenton County assessment roll, as of December 2, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 445 ELM ST, LUDLOW, KY 41016-1427 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 16, 2006 · Amount on Record |
| Deed Sale | Aug 16, 2006 · Amount on Record |
| Prior Sale | Nov 2, 2001 · Amount on Record |
| Deed Document Number | 200608 16 059 00179 |
| Deed Book / Page | 3111 / 47 |
| Last Transfer Date | Jun 3, 2014 |
| Transfer Doc | 0005900073 |
| Record Updated | Sep 20, 2026 |
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 |
|---|---|---|---|
| 2025 | $2,024.00 (+1.5%) | $155,000 (-) Land $10,000 Building $145,000 | $155,000 (-) Land $10,000 Building $145,000 |
| 2023 | $1,994.00 | $155,000 Land $10,000 Building $145,000 | $155,000 Land $10,000 Building $145,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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 |
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) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA.
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