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Single Family ResidenceResidential
$374,835$196 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $350,000 on Jun 13, 2023

435 ELM ST

LUDLOW, KY 41016
4
Beds
2 / 1
Baths
1,908 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1930
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$375K
$349K low$400K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$350,000 · Jun 13, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,571 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$350,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$335,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$350,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$350,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
8
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
82
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
86
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
13
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyKENTON
Lot (acres)The size of the land the home sits on, from county records.0.11
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Stone (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Wall Unit
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Mary A. Goetz Elementary SchoolC-
Elementary · Grades PK–6 · 0.1 mi
M
Ludlow High SchoolB-
Middle · Grades 7–12 · 0.1 mi

District: Ludlow Independent School District

Neighborhood · ZIP 41016These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.144
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.212
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.38

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.8%
PopulationHow many people live in this area.5,689
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,782 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,510
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$70,149
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

435 Elm St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 96% of homes in Covington 41016
  • Costs more per square foot than 86% of homes in Covington 41016
  • Bigger than 85% of homes in Covington 41016
  • Has a smaller lot than 78% of homes in Kenton County
  • Older than 81% of homes in Kenton County

What homes are worth in Covington 41016

Each bar is how many homes fall in that price range. The marker is this home.

This home
$80K$429K

This home is worth more than 96% of homes in Covington 41016.

How it measures up in Covington 41016

The dot is this home. The mark in the middle is the typical home in Covington 41016.

Estimated value$374,835
CheaperTypical $179,795Pricier

Pricier than 96% of homes nearby

Price per ft²$196
CheaperTypical $144Pricier

Pricier than 86% of homes nearby

Living area1,908 ft²
SmallerTypical 1,364 ft²Bigger

Bigger than 85% of homes nearby

Lot size0.11 ac
SmallerTypical 3,485 ft²Bigger

Bigger than 74% of homes nearby

Year built1930
OlderTypical 1925Newer

Newer than 68% of homes nearby

How 435 Elm St ranks against every home in each area.
MeasureThis homeCovington 41016Kenton County
Estimated valuepricier than$374,83596% of homes75% of homes
Price per ft²pricier than$19686% of homes55% of homes
Living areabigger than1,908 ft²85% of homes73% of homes
Lot sizebigger than0.11 ac74% of homes22% of homes
Year builtnewer than193068% of homes19% of homes

About 435 Elm St

How much is 435 Elm St, Ludlow, KY worth?

The TopHap Estimate for 435 Elm St, Ludlow, KY is $374,835 as of Sep 24, 2026. The likely range is $349,405 to $400,265. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 435 Elm St, Ludlow, KY last sell?

435 Elm St, Ludlow, KY last sold on Jun 13, 2023 for $350,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 435 Elm St, Ludlow, KY?

435 Elm St, Ludlow, KY has 4 bedrooms, 2 bathrooms, 1,908 square feet of living space and a 0.11-acre lot.

When was 435 Elm St, Ludlow, KY built?

435 Elm St, Ludlow, KY was built in 1930, making it 96 years old. The building has 2 stories.

What schools serve 435 Elm St, Ludlow, KY?

435 Elm St, Ludlow, KY is assigned to Mary A. Goetz Elementary School (elementary), rated C-; Ludlow High School (middle), rated B-. All sit in Ludlow Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 435 Elm St, Ludlow, KY compare to other homes in Covington 41016?

Among the 2,345 homes in Covington 41016, it is worth more than 96% of them ($374,835 against a typical $179,795), its price per square foot is higher than 86% of them ($196 against a typical $144), it is bigger than 85% of them (1,908 ft² against a typical 1,364 ft²), its lot is bigger than 74% of them (0.11 ac against a typical 3,485 ft²) and it is newer than 68% of them (1930 against a typical 1925). Measured against all of Kenton County, it is worth more than 75% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 435 Elm St, Ludlow, KY?

The 2025 property tax bill for 435 Elm St, Ludlow, KY was $4,571. The county assessed it at $350,000.

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