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

Kenton County property record for 451 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,690 sqft · built 1930
Lot Size	0.072 acres (3,125 sqft)
Owner	Company Name on Record
Last Sale	$83,000 (May 2024)
Tax Bill	$1,893 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-07-007.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-07-007.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,690 sqft Finished Area
Gross Area	1,826 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,125 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	451 ELM ST
City	LUDLOW
State	KY
Zip	41016-1427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 15 25'X 125'
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	15
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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4719 GREEN BELT DR, CLEVES, OH 45002-9103
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Feb 6, 2019	Warranty Deed, Transfer · FHA Mortgage EAGLE SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2024 · Amount on Record
Deed Sale	May 30, 2024 · Amount on Record
Prior Sale	Aug 8, 2023 · Amount on Record
Deed Document Number	2024138
Deed Book / Page	286 / 632
Prior Transfer Date	May 15, 2024
Prior Transfer Doc	0005900138
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 8, 2023
Property Address	451 ELM ST, LUDLOW, KY 41016-1427
Document Number	0005900014
Book / Page	KC 240 / 185
Map Reference	MB 158
Instrument Date	Aug 4, 2023
Instrument	23080805900014
Transaction Type	Transfer
Record Updated	Aug 21, 2023

Transaction

Amount	Amount Recorded
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	1150 HANDS PIKE, COVINGTON, KY 41017-9714

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4719 GREEN BELT DR, CLEVES, OH 45002-9103

Mortgage

Document Number	0005900015
Date	Aug 8, 2023
Book Page	KCM 482/723
Instrument	23080805900015

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 6, 2019
Property Address	451 ELM ST, LUDLOW, KY 41016-1427
Document Number	0000000142
Book / Page	0C6595 / 000015
Instrument Date	Feb 1, 2019
Instrument	142
Transaction Type	Transfer
Record Updated	Feb 22, 2019
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$83.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 ELM ST LUDLOW KY 410161427, LUDLOW, KY 41016-1427

Mortgage

Document Number	143
Date	Feb 6, 2019
Book Page	0C6595/000018
Instrument	143

Lender

Name	EAGLE SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45248

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2049

Tax Assessment & Valuation

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		$159,700 (+10.14%) Land $15,000 Building $144,700	$159,700 (+10.14%) Land $15,000 Building $144,700
2025	$1,893.00 (+77.25%)	$145,000 (+74.7%) Land $10,000 Building $135,000	$145,000 (+74.7%) Land $10,000 Building $135,000
2023	$1,068.00 (+0.85%)	$83,000 (-) Land $10,000 Building $73,000	$83,000 (-) Land $10,000 Building $73,000
2022	$1,059.00	$83,000 Land $10,000 Building $73,000	$83,000 Land $10,000 Building $73,000

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

Flood

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	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

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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