Kenton County property record for 641 Elm St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,248 sqft · built 1927 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $122,000 (Mar 2022) |
| Tax Bill | $2,285 (2025) |
| Deeds & Mortgages | Mar 2022 Sale Sep 2021 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-32-04-003.00 |
| Primary APN | 026-32-04-003.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,248 sqft Finished Area |
| Gross Area | 1,824 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 4,356 sqft (0.1 acres) |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 641 ELM ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 317 & PT LOT 318 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 317,318 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 66900 |
641 Elm St is owned and occupied by two individuals who bought it in March 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 641 ELM ST, LUDLOW, KY 41016-1306 |
| 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 25, 2022 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Sep 20, 2021 | Commissioner's Deed, Foreclosure Foreclosure Auction |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2022 · Amount on File |
| Deed Sale | Mar 25, 2022 · Amount on File |
| Prior Sale | Sep 20, 2021 · Amount on File |
| Deed Document Number | 202217 |
| Deed Book / Page | 155 / 554 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 25, 2022 |
| Property Address | 641 ELM ST, LUDLOW, KY 41016-1306 |
| Document Number | 0005900017 |
| Book / Page | 155 / 554 |
| Map Reference | MB 21 PG 640 |
| Instrument Date | Mar 22, 2022 |
| Instrument | 22032505900017 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2022 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 87 DUDLEY PIKE, 87, EDGEWOOD, KY 41017-2306 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 641 ELM ST, LUDLOW, KY 41016-1306 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 20, 2021 |
| Property Address | 641 ELM ST, LUDLOW, KY 41016-1306 |
| Document Number | 0005900251 |
| Book / Page | 118 / 781 |
| Map Reference | MB 21 PG 640 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 21092005900251 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 29, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 230 MADISON AVE # AVE8TH, 230, COVINGTON, KY 41011-1539 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 87 DUDLEY PIKE, EDGEWOOD, KY 41017-2306 |
The 2025 property tax bill for 641 Elm St was $2,285.
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 | $175,000 (-) Land $15,000 Building $160,000 | $175,000 (-) Land $15,000 Building $160,000 | |
| 2025 | $2,285.00 | $175,000 Land $10,000 Building $165,000 | $175,000 Land $10,000 Building $165,000 |
| 2023 | $1,570.00 | $122,000 Land $10,000 Building $112,000 | $122,000 Land $10,000 Building $112,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 641 Elm St in Zone X, an area of minimal flood risk, within 100 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 100 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 641 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures