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

Kenton County property record for 828 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Clubs, Lodges, Professional Associations
Details	4,661 sqft · built 1972
Lot Size	0.511 acres (22,275 sqft)
Owner	Company Name on File
Last Sale	$260,000 (Sep 2022)
Tax Bill	$3,395 (2025)
Deeds & Mortgages	Sep 2022 Sale
Flood Zone	Zone AE (high risk)
APN	`026-32-01-024.00`

Property Details

APN / Parcel Number

Primary APN	`026-32-01-024.00`

Interior

Building Area	4,661 sqft Finished Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	22,275 sqft (0.511 acres)
Lot Dimensions	99 ft deep x 225 ft wide

Location & Zoning

Street Address	828 ELM ST
City	LUDLOW
State	KY
Zip	41016-1332
Property Category	Commercial
Property Type	Commercial > Retail > Clubs, Lodges, Professional Associations
Legal Description	TRAYLOR LOTS 16-17-18-19 & PT 20 & 225X99' IN REAR
Legal Subdivision	TRAYLORS
Legal Lot Number	19,20
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4001
Census Tract	66900

Owner

828 Elm St, a commercial property, is owned by a company that bought it in September 2022.

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

Owner of Record	Company Name on File
Mailing Address	301 ARTILLERY PARK DR, 101, FT MITCHELL, KY 41017-2780
Owner Type	Company
Vesting	Company

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	Name on Deed
Last Sale	Sep 22, 2022 · Amount on File
Deed Sale	Sep 22, 2022 · Amount on File
Deed Document Number	2022190
Deed Book / Page	191 / 442
Record Updated	Oct 29, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Sep 22, 2022
Property Address	828 ELM ST, LUDLOW, KY 41016-1332
Document Number	0005900190
Book / Page	191 / 442
Instrument Date	Sep 16, 2022
Instrument	22092205900190
Transaction Type	Transfer
Record Updated	Oct 6, 2022

Transaction

Amount	Amount on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	828 ELM ST, 828, LUDLOW, KY 41016-1332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 TOWN CENTER BLVD # 4, 4, CRESTVIEW HILLS, KY 41017-2417

Tax Assessment & Valuation

The 2025 property tax bill for 828 Elm St was $3,395.

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		$260,000 (-) Land $210,000 Building $50,000	$260,000 (-) Land $210,000 Building $50,000
2025	$3,395.00	$260,000 Land $210,000 Building $50,000	$260,000 Land $210,000 Building $50,000
2023	$3,346.00	$260,000 Land $210,000 Building $50,000	$260,000 Land $210,000 Building $50,000

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

Flood

FEMA maps place 828 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	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 828 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.

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