Kenton County property record for 455 Elm St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,102 sqft · built 1900 |
| Lot Size | 0.072 acres (3,123 sqft) |
| Owner | Individual Name on File |
| Last Sale | $301,000 (Apr 2024) |
| Tax Bill | $3,931 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Feb 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-07-005.01 |
| Primary APN | 026-34-07-005.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,102 sqft Finished Area |
| Gross Area | 2,227 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Lot Area | 3,123 sqft (0.072 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 455 ELM ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 17 0.0717 AC SS ELM ST |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 17 |
| 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.
455 Elm St is owned and occupied by an individual who bought it in April 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 455 ELM ST, LUDLOW, KY 41016-1427 |
| 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.
| Date | Document |
|---|---|
| Mar 18, 2026 | Deed of Trust, Mortgage · FHA Mortgage RAPID MORTGAGE COMPANY |
| Feb 12, 2024 | Deed of Trust, Mortgage DML INVESTMENTS LLC |
| Apr 2, 2024 | Warranty Deed, Transfer · Line of Credit RAPID MORTGAGE COMPANY |
| Oct 17, 2023 | Warranty Deed, Transfer · Commercial Mortgage MICHAEL HARRIS |
| Sep 5, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2024 · Amount on File |
| Deed Sale | Apr 2, 2024 · Amount on File |
| Prior Sale | Oct 17, 2023 · Amount on File |
| Deed Document Number | 2024194 |
| Deed Book / Page | 277 / 532 |
| Prior Transfer Date | Jul 20, 2022 |
| Prior Transfer Doc | 0000000246 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 455 ELM ST, LUDLOW, KY 41016-1427 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 455 ELM ST, LUDLOW, KY 41016-1427 |
| Document Number | 0000005569 |
|---|---|
| Date | Mar 18, 2026 |
| Book Page | 402/630 |
| Instrument | 26059000005569 |
| Name | RAPID MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45255 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 455 ELM ST, LUDLOW, KY 41016-1427 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2024 |
| Name | Verified Name |
|---|---|
| Address | 11195 FLORA RD, HARRISON, OH 45030-9305 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900085 |
|---|---|
| Date | Feb 12, 2024 |
| Book Page | KCM 525/808 |
| Instrument | 24021205900085 |
| Name | DML INVESTMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | UNION, KY 41091 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 2, 2024 |
| Property Address | 455 ELM ST, LUDLOW, KY 41016-1427 |
| Document Number | 0005900194 |
| Book / Page | KC 277 / 532 |
| Instrument Date | Mar 26, 2024 |
| Instrument | 24040205900194 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11195 FLORA RD, HARRISON, OH 45030-9305 |
| Name | Verified Name |
|---|---|
| Address | 455 ELM ST, LUDLOW, KY 41016-1427 |
| Document Number | 0005900195 |
|---|---|
| Date | Apr 2, 2024 |
| Instrument | 24040205900195 |
| Name | RAPID MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Document Number | 0005900195 |
|---|---|
| Date | Apr 2, 2024 |
| Book Page | KCM537/691 |
| Instrument | 24040205900195 |
| Name | RAPID MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Address | 7466 BEECHMONT AVE UNIT 420, CINCINNATI, OH 45255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 17, 2023 |
| Property Address | 455 ELM ST, LUDLOW, KY 41016-1427 |
| Document Number | 0005900101 |
| Book / Page | KC 252 / 388 |
| Map Reference | MB C3312 PG 17 |
| Instrument Date | Oct 11, 2023 |
| Instrument | 23101705900101 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2024 |
| Title Company | TECHNETITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 455 ELM ST, LUDLOW, KY 41016-1427 |
| Name | Verified Name |
|---|---|
| Address | 11195 FLORA RD, HARRISON, OH 45030-9305 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900102 |
|---|---|
| Date | Oct 17, 2023 |
| Book Page | KCM 500/64 |
| Instrument | 23101705900102 |
| Name | MICHAEL HARRIS |
|---|---|
| Type | Private Party |
| Address | 7296 ROYALGREEN DR, CINCINNATI, OH 45244 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 6 Months |
| Due | Apr 11, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 5, 2018 |
| Property Address | 455 ELM ST, LUDLOW, KY 41016-1427 |
| Document Number | 0000000214 |
| Book / Page | 0C6494 / 000189 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 214 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $110.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 455 ELM ST LUDLOW KY 410161427, LUDLOW, KY 41016-1427 |
The 2025 property tax bill for 455 Elm St was $3,931.
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 | $301,000 (-) Land $15,000 Building $286,000 | $301,000 (-) Land $15,000 Building $286,000 | |
| 2025 | $3,931.00 | $301,000 Land $10,000 Building $291,000 | $301,000 Land $10,000 Building $291,000 |
| 2023 | $2,123.00 (+0.86%) | $165,000 (-) Land $10,000 Building $155,000 | $165,000 (-) Land $10,000 Building $155,000 |
| 2022 | $2,105.00 | $165,000 Land $10,000 Building $155,000 | $165,000 Land $10,000 Building $155,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 455 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 455 Elm St is low, with less than 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 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 114 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 |
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