Kenton County property record for 719 Elm St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 686 sqft · built 1920 |
| Lot Size | 0.073 acres (3,188 sqft) |
| Owner | Individual Name on File |
| Last Sale | $84,400 (Apr 2025) |
| Tax Bill | $1,448 (2025) |
| Deeds & Mortgages | Apr 2025 Sale Oct 2024 Foreclosure + 5 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 026-32-03-012.00 |
| Primary APN | 026-32-03-012.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 686 sqft Finished Area |
| Gross Area | 770 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,188 sqft (0.073 acres) |
| Lot Dimensions | 127 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 719 ELM ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW LAGOON LOT 505 25'X 127.50' |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Lot Number | 505 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 66900 |
719 Elm St is owned by an individual who bought it in April 2025.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2308 OAKVIEW CT, HEBRON, KY 41048-7202 |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
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 |
|---|---|
| Apr 16, 2025 | Special Warranty Deed, Transfer COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY |
| Oct 22, 2024 | Special Warranty Deed, Foreclosure |
| Jul 16, 2024 | Commissioner's Deed, Foreclosure |
| Mar 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage FIRST FIN'L BK&TR |
| Mar 19, 2020 | Warranty Deed, Transfer · FHA Mortgage FIRST FIN'L BK&TR |
| Feb 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Aug 29, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 16, 2025 · Amount on File |
| Deed Sale | Apr 16, 2025 · Amount on File |
| Prior Sale | Jul 16, 2024 · Amount on File |
| Deed Document Number | 2025167 |
| Deed Book / Page | 338 / 538 |
| Prior Transfer Date | Jun 18, 2012 |
| Prior Transfer Doc | 0005900044 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 16, 2025 |
| Property Address | 719 ELM ST, LUDLOW, KY 41016-1308 |
| Document Number | 0005900167 |
| Book / Page | KC 338 / 538 |
| Instrument Date | Apr 10, 2025 |
| Instrument | 25041605900167 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2000 N CLASSEN BLVD STE 3200, 3200, OKLAHOMA CITY, OK 73106-6034 |
| Name | Verified Name |
|---|---|
| Address | 2308 OAKVIEW CT, HEBRON, KY 41048-7202 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 22, 2024 |
| Property Address | 719 ELM ST, LUDLOW, KY 41016-1308 |
| Document Number | 0005900087 |
| Book / Page | KC 310 / 681 |
| Instrument Date | Jul 17, 2024 |
| Instrument | 24102205900087 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 28, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11988 EXIT 5 PKWY # PKWY4, PKWY4, FISHERS, IN 46037-7939 |
| Name | Verified Name |
|---|---|
| Address | 2000 N CLASSEN BLVD, OKLAHOMA CITY, OK 73106-6016 |
| Investor | Possibly a Property Investor |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 16, 2024 |
| Property Address | 719 ELM ST, LUDLOW, KY 41016-1308 |
| Document Number | 0005900283 |
| Book / Page | KC 295 / 171 |
| Instrument Date | Mar 18, 2024 |
| Instrument | 24071605900283 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 28, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 230 MADISON AVE # AVE8TH, AVE8TH, COVINGTON, KY 41011-1539 |
| Name | Verified Name |
|---|---|
| Address | 10500 KINCAID DR, FISHERS, IN 46037-9749 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 719 ELM ST, LUDLOW, KY 41016-1308 |
| Document Number | 0000000449 |
| Instrument Date | Mar 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 719 ELM ST LUDLOW KY 410161308, LUDLOW, KY 41016-1308 |
| Document Number | 0000000449 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 000M22/000034 |
| Instrument | 449 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 18, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 19, 2020 |
| Property Address | 719 ELM ST, LUDLOW, KY 41016-1308 |
| Document Number | 0000000448 |
| Book / Page | 000012 / 000977 |
| Instrument Date | Mar 17, 2020 |
| Instrument | 448 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 719 ELM ST LUDLOW KY 410161308, LUDLOW, KY 41016-1308 |
| Document Number | 449 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 000M22/000034 |
| Instrument | 449 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 18, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 719 ELM ST, LUDLOW, KY 41016-1308 |
| Document Number | 0000000208 |
| Instrument Date | Feb 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 719 ELM ST LUDLOW KY 410161308, LUDLOW, KY 41016-1308 |
| Document Number | 0000000208 |
|---|---|
| Date | May 21, 2020 |
| Book Page | 000M47/000257 |
| Instrument | 208 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | 20 W PIKE ST, COVINGTON, KY 41011-2711 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 20, 2025 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 29, 2017 |
| Property Address | 719 ELM ST, LUDLOW, KY 41016-1308 |
| Document Number | 0000000167 |
| Book / Page | 0C6235 / 000140 |
| Instrument Date | Aug 28, 2017 |
| Instrument | 167 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $52.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2183 ROLLING HILLS DR COVINGTON KY 410175155, COVINGTON, KY 41017-5155 |
The 2025 property tax bill for 719 Elm St was $1,448.
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 | $84,400 (-23.9%) Land $15,000 Building $69,400 | $84,400 (-23.9%) Land $15,000 Building $69,400 | |
| 2025 | $1,448.00 | $110,900 Land $10,000 Building $100,900 | $110,900 Land $10,000 Building $100,900 |
| 2023 | $1,093.00 | $85,000 Land $10,000 Building $75,000 | $85,000 Land $10,000 Building $75,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 719 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 |
|
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 719 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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