Kenton County property record for 491 Elm St, Covington, KY 41016
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $600 (Sep 2015) |
| Tax Bill | $13 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-40-00-058.00 |
| Primary APN | 059-40-00-058.00 |
|---|
| Lot Area | 2,178 sqft (0.05 acres) |
|---|
| Street Address | 491 ELM ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1427 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | LATONIA LAKES LOT 749 |
| Legal Subdivision | LATONIA LAKES |
| Legal Lot Number | 749 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 65800 |
491 Elm St, vacant land, is owned by an individual who bought it in September 2015.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2817 PALOMAS DR NE, ALBUQUERQUE, NM 87110-3121 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2015 · Amount on File |
| Deed Sale | Sep 1, 2015 · Amount on File |
| Deed Document Number | 201509 01 059 00170 |
| Deed Book / Page | 3642 / 206 |
| Prior Transfer Date | Jan 8, 2015 |
| Prior Transfer Doc | 0000000060 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 491 Elm St was $13.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,000 (-) Land $1,000 | $1,000 (-) Land $1,000 | |
| 2025 | $13.00 | $1,000 Land $1,000 | $1,000 Land $1,000 |
| 2023 | $15.00 | $1,000 Land $1,000 | $1,000 Land $1,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 491 Elm St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 491 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 | 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 157 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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