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

Kenton County property record for 839 Elm St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,164 sqft · built 1920
Lot Size	0.189 acres (8,276 sqft)
Owner	2 Individual Names on File
Tax Bill	$991 (2025)
Deeds & Mortgages	Dec 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`026-41-07-004.00`

Property Details

APN / Parcel Number

Primary APN	`026-41-07-004.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	2,164 sqft Finished Area

Exterior

Year Built	Built 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0264107004.00
Street Address	839 ELM ST
City	LUDLOW
State	KY
Zip	41016-1331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW LAGOON LOTS 19-20 & E 15' LOT 21
Legal Subdivision	LUDLOW LAGOON LAND
Legal Lot Number	20,21
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4002
Census Tract	66900

Owner

Source: Kenton County records · APN 026-41-07-004.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	839 ELM ST, LUDLOW, KY 41016-1331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 03, 1977
Deed Sale	May 03, 1977
Deed Document Number	0000690131
Record Updated	Jun 08, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	839 ELM ST, LUDLOW, KY 41016-1331
Document Number	0000000203
Book / Page	0C6321 / 000281
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	839 ELM ST LUDLOW KY 410161331, LUDLOW, KY 41016-1331

Mortgage

Document Number	0000000203
Date	Dec 21, 2017
Book Page	0C6321/000281
Instrument	203

Lender

Name	HOME SVGS BK
Type	Federal Savings Bank
Address	LUDLOW, KY 41016

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2047

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$991.00 (-1.98%) Homeowner's exemption	$125,000 (-) Land $10,000 Building $115,000	$125,000 (-) Land $10,000 Building $115,000
2023	$1,011.00 Homeowner's exemption	$125,000 Land $10,000 Building $115,000	$125,000 Land $10,000 Building $115,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record 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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 719 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.