Kenton County property record for 712 Elm St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,800 sqft · built 1934 |
| Lot Size | 0.83 acres (36,155 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Oct 2004) |
| Tax Bill | $1,448 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 026-32-01-020.00 |
| Primary APN | 026-32-01-020.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,800 sqft Finished Area |
| Year Built | Built 1934 |
|---|---|
| Effective Year Built | Effective 1934 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Lot Area | 36,155 sqft (0.83 acres) |
| Lot Dimensions | 87 ft deep x 100 ft wide |
| Garage Type | Detached |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 712 ELM ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE 20' 6 ALL 5 & SW 30' 4 TRAYLOR & 100X87' IN REAR BEING 100X287' |
| Legal Subdivision | TRAYLORS |
| Legal Lot Number | 5,6 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 66900 |
712 Elm St is owned and occupied by an individual who bought it in October 2004.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 712 ELM ST, LUDLOW, KY 41016-1309 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2004 · Amount on File |
| Deed Sale | Oct 21, 2004 · Amount on File |
| Prior Sale | Dec 1, 1998 · Amount on File |
| Deed Document Number | 200410 21 059 00136 |
| Deed Book / Page | 2370 / 239 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 712 Elm St was $1,448 with a homeowner's exemption.
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 | $207,000 (+29.38%) Land $15,000 Building $192,000 | $207,000 (+29.38%) Land $15,000 Building $192,000 | |
| 2025 | $1,448.00 Homeowner's exemption | $160,000 Land $10,000 Building $150,000 | $160,000 Land $10,000 Building $150,000 |
| 2023 | $1,462.00 Homeowner's exemption | $160,000 Land $10,000 Building $150,000 | $160,000 Land $10,000 Building $150,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 712 Elm St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 712 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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