Kenton County property record for 549 Elm St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,236 sqft · built 1920 |
| Lot Size | 0.08 acres (3,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $70,000 (May 2017) |
| Tax Bill | $2,024 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 026-32-05-002.00 |
| Primary APN | 026-32-05-002.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,236 sqft Finished Area |
| Gross Area | 1,442 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,500 sqft (0.08 acres) |
| Lot Dimensions | 87.5 ft deep x 40 ft wide |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 549 ELM ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART PT LOTS 99-100 40'X 87.5' SEC ELM & HELEN |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 99,100 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 66900 |
549 Elm St is owned by an individual who bought it in May 2017.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 572 MAINE AVE, FORT THOMAS, KY 41075-1403 |
| 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 |
|---|---|
| Jul 20, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| May 3, 2017 | Warranty Deed, Transfer · Conventional Mortgage VICTORY MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 3, 2017 · Amount on File |
| Deed Sale | May 3, 2017 · Amount on File |
| Prior Sale | Jun 14, 2004 · Amount on File |
| Deed Document Number | 201705 03 059 00104 |
| Deed Book / Page | 6150 / 4 |
| Prior Transfer Date | Sep 25, 2000 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 549 ELM ST, LUDLOW, KY 41016-1304 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900187 |
|---|---|
| Date | Jul 20, 2022 |
| Book Page | 390/623 |
| Instrument | 22072005900187 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 3, 2017 |
| Property Address | 549 ELM ST, LUDLOW, KY 41016-1304 |
| Document Number | 0000000104 |
| Book / Page | 006150 / 000004 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 104 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2017 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $70.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 572 MAINE AVE FORT THOMAS KY 410751403, FORT THOMAS, KY 41075-1403 |
| Document Number | 105 |
|---|---|
| Date | May 3, 2017 |
| Book Page | 006150/000007 |
| Instrument | 105 |
| Name | VICTORY MTG |
|---|---|
| Type | Mortgage Company |
| Address | FORT MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 2, 2047 |
The 2025 property tax bill for 549 Elm St was $2,024.
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 | $155,000 (-) Land $15,000 Building $140,000 | $155,000 (-) Land $15,000 Building $140,000 | |
| 2025 | $2,024.00 | $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.
FEMA maps place 549 Elm St in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 26 (1978–2025) |
| Claims Outside the SFHA | 1 of 26 |
| 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 549 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 719 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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