Kenton County property record for 727 Elm St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 936 sqft · built 1920 |
| Lot Size | 0.073 acres (3,188 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $46,000 (Mar 1999) |
| Tax Bill | $599 (2025) |
| Deeds & Mortgages | Aug 2019 Line of Credit Mar 2018 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 026-32-03-008.00 |
| Primary APN | 026-32-03-008.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 936 sqft Finished Area |
| Gross Area | 1,212 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| 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 |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 727 ELM ST |
|---|---|
| City | LUDLOW |
| State | KY |
| Zip | 41016-1308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW LAGOON LOT 501 25'X 127.5' ES ELM 150' N DEVERILL |
| Legal Subdivision | LUDLOW LAGOON LAND |
| Legal Lot Number | 501 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 66900 |
727 Elm St is owner-occupied and held in a trust since March 1999.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 727 ELM ST, LUDLOW, KY 41016-1308 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Aug 8, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| Mar 17, 2018 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 1999 · Amount on File |
| Deed Sale | Mar 1, 1999 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 727 ELM ST, LUDLOW, KY 41016-1308 |
| Document Number | 0000000220 |
| Instrument Date | Aug 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 727 ELM ST LUDLOW KY 410161308, LUDLOW, KY 41016-1308 |
| Document Number | 0000000220 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 0C6742/000279 |
| Instrument | 220 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 727 ELM ST, LUDLOW, KY 41016-1308 |
| Document Number | 0000000210 |
| Instrument Date | Mar 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|---|
| Address | 727 ELM ST LUDLOW KY 410161308, LUDLOW, KY 41016-1308 |
| Document Number | 0000000210 |
|---|---|
| Date | Apr 4, 2018 |
| Book Page | 0C6383/000326 |
| Instrument | 210 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 3, 2033 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 727 Elm St was $599 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 | $117,400 (+23.58%) Land $15,000 Building $102,400 | $117,400 (+23.58%) Land $15,000 Building $102,400 | |
| 2025 | $599.00 Homeowner's exemption | $95,000 Land $10,000 Building $85,000 | $95,000 Land $10,000 Building $85,000 |
| 2023 | $625.00 Homeowner's exemption | $95,000 Land $10,000 Building $85,000 | $95,000 Land $10,000 Building $85,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 727 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 727 Elm St is low, with 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 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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