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

Kenton County property record for 476 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 1,760 sqft · built 1920
Lot Size	0.073 acres (3,220 sqft)
Owner	2 Individual Names on Record
Last Sale	$336,000 (May 2026)
Tax Bill	$2,742 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Dec 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`026-33-05-020.00`

Property Details

APN / Parcel Number

Primary APN	`026-33-05-020.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,760 sqft Finished Area
Gross Area	2,124 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	3,220 sqft (0.073 acres)
Lot Dimensions	114 ft deep x 27.9 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	476 ELM ST
City	LUDLOW
State	KY
Zip	41016-1460
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	VICTORIA PTS LOTS 23-24-25 27.85'X 114.59' IRREG
Legal Subdivision	VICTORIA ADD-LUDLOW
Legal Lot Number	23,24
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	66900

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	2 Individual Names on Record
Mailing Address	476 ELM ST, LUDLOW, KY 41016-1460
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Warranty Deed, Transfer · Conventional Mortgage TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES
Dec 29, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 2, 2018	Grant Deed, Transfer · Conventional Mortgage BENCHMARK MTG
Sep 18, 2017	Grant Deed, Transfer ATTORNEY ONLY
Aug 1, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Dec 29, 2021 · Amount on Record
Deed Document Number	202610620
Deed Book / Page	435 / 523
Prior Transfer Date	Mar 3, 2014
Prior Transfer Doc	0000000184
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 21, 2026
Property Address	476 ELM ST, LUDLOW, KY 41016-1460
Document Number	0000010620
Book / Page	435 / 523
Instrument Date	May 18, 2026
Instrument	202610620
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33,936.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	476 ELM ST, LUDLOW, KY 41016-1460

Mortgage

Document Number	0000010621,
Date	May 21, 2026
Instrument	2026052110621

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 29, 2021
Property Address	476 ELM ST, LUDLOW, KY 41016-1460
Document Number	0005900276
Book / Page	139 / 539
Map Reference	PL 428
Instrument Date	Dec 22, 2021
Instrument	21122905900276
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1366 RED CEDAR CT, INDEPENDENCE, KY 41051-7325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	476 ELM ST, LUDLOW, KY 41016-1460

Mortgage

Document Number	0005900277
Date	Dec 29, 2021
Instrument	21122905900277

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 2, 2018
Property Address	476 ELM ST, LUDLOW, KY 41016-1460
Document Number	0000000245
Book / Page	0C6381 / 000207
Instrument Date	Mar 5, 2018
Instrument	245
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
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	476 ELM ST LUDLOW KY 410161460, LUDLOW, KY 41016-1460

Mortgage

Document Number	247
Date	Apr 2, 2018
Book Page	ORC638/000226
Instrument	247

Lender

Name	BENCHMARK MTG
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2028

Mortgage

Document Number	246,
Date	Apr 2, 2018
Book Page	0C6381/000210
Instrument	246

Lender

Name	BENCHMARK MTG
Type	Mortgage Company
Address	PIANO, TX 75024

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Sep 18, 2017
Property Address	476 ELM ST, LUDLOW, KY 41016-1460
Document Number	0000000106
Book / Page	0C6249 / 000192
Instrument Date	Sep 15, 2017
Instrument	106
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2900 WATTS RD BURLINGTON KY 410058740, BURLINGTON, KY 41005-8740

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Aug 1, 2017
Property Address	476 ELM ST, LUDLOW, KY 41016-1460
Document Number	0000000232
Book / Page	006215 / 000160
Instrument Date	Jul 3, 2017
Instrument	232
Transaction Type	Foreclosure
Record Updated	Aug 9, 2017

Transaction

Amount	Amount Recorded
Tax	$66.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1818 FLORENCE PIKE BURLINGTON KY 410057933, BURLINGTON, KY 41005-7933

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		$210,000 (-) Land $15,000 Building $195,000	$210,000 (-) Land $15,000 Building $195,000
2025	$2,742.00 (+1.48%)	$210,000 (-) Land $10,000 Building $200,000	$210,000 (-) Land $10,000 Building $200,000
2023	$2,702.00	$210,000 Land $10,000 Building $200,000	$210,000 Land $10,000 Building $200,000

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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 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.

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 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

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

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

September 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2017: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number