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

Kenton County property record for 643 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1930
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on File
Last Sale	$93,000 (Jul 2015)
Tax Bill	$1,252 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`026-32-04-002.00`

Property Details

APN / Parcel Number

Primary APN	`026-32-04-002.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Finished Area
Gross Area	1,476 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	643 ELM ST
City	LUDLOW
State	KY
Zip	41016-1306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART S 17 1/2' LOT 318 & & N 15' LOT 319
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	318,31
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4004
Census Tract	66900

Owner

643 Elm St is owned by two individuals who acquired it in April 2026.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	443 ELM ST, LUDLOW, KY 41016-1427
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2015 · Amount on File
Deed Sale	Jul 22, 2015 · Amount on File
Prior Sale	Aug 1, 2001 · Amount on File
Deed Document Number	201507 22 059 00034
Deed Book / Page	5696 / 38
Last Transfer Date	Apr 7, 2026
Transfer Doc	0000007561
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Apr 20, 2026
Property Address	643 ELM ST, LUDLOW, KY 41016-1306
Document Number	0000007561
Book / Page	415 / 78
Instrument Date	Apr 7, 2026
Instrument	20267561
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	443 ELM ST, LUDLOW, KY 41016-1427

Mortgage

Document Number	0000007562,
Date	Apr 20, 2026
Instrument	202604207562

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 643 Elm St was $1,252 with a disabled person's exemption.

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		$199,000 (+37.24%) Land $15,000 Building $184,000	$199,000 (+37.24%) Land $15,000 Building $184,000
2025	$1,252.00 Disabled Person's exemption	$145,000 Land $10,000 Building $135,000	$145,000 Land $10,000 Building $135,000
2023	$1,866.00	$145,000 Land $10,000 Building $135,000	$145,000 Land $10,000 Building $135,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 643 Elm St in Zone X, an area of moderate 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 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 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	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 5 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 9 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

Wildfire risk around 643 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.

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 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