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Single Family ResidenceResidential
$206,971$130 / 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 94How 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

539 ELM ST

LUDLOW, KY 41016
3
Beds
1
Baths
1,591 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.
1917
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$207K
$195K low$219K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,383 (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.$155,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$145,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$155,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$155,000

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.44
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.3 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

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.0.12
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.None
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.No Garage
PoolWhether the property has a pool, and what kind, such as in-ground.No

Foreclosure Filings(1)

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

539 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 less than 73% of homes in Kenton County
  • Costs less per square foot than 86% of homes in Kenton County
  • Bigger than 67% of homes in Covington 41016
  • Has a bigger lot than 77% of homes in Covington 41016
  • Older than 90% 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
$79K$416K

This home is worth more than 65% 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$206,971
CheaperTypical $179,692Pricier

Pricier than 65% of homes nearby

Price per ft²$130
CheaperTypical $144Pricier

Pricier than 39% of homes nearby

Living area1,591 ft²
SmallerTypical 1,369 ft²Bigger

Bigger than 67% of homes nearby

Lot size0.11 ac
SmallerTypical 3,485 ft²Bigger

Bigger than 77% of homes nearby

Year built1917
OlderTypical 1925Newer

Newer than 28% of homes nearby

How 539 Elm St ranks against every home in each area.
MeasureThis homeCovington 41016Kenton County
Estimated valuepricier than$206,97165% of homes27% of homes
Price per ft²pricier than$13039% of homes14% of homes
Living areabigger than1,591 ft²67% of homes59% of homes
Lot sizebigger than0.11 ac77% of homes24% of homes
Year builtnewer than191728% of homes10% of homes

About 539 Elm St

How much is 539 Elm St, Ludlow, KY worth?

The TopHap Estimate for 539 Elm St, Ludlow, KY is $206,971 as of Sep 24, 2026. The likely range is $194,688 to $219,254. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 539 Elm St, Ludlow, KY last sell?

539 Elm St, Ludlow, KY last sold on Sep 24, 2002, according to the county's recorded deed.

How big is 539 Elm St, Ludlow, KY?

539 Elm St, Ludlow, KY has 3 bedrooms, 1 bathrooms, 1,591 square feet of living space and a 0.12-acre lot.

When was 539 Elm St, Ludlow, KY built?

539 Elm St, Ludlow, KY was built in 1917, making it 109 years old. The building has 2 stories.

What schools serve 539 Elm St, Ludlow, KY?

539 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 539 Elm St, Ludlow, KY compare to other homes in Covington 41016?

Among the 2,345 homes in Covington 41016, it is worth more than 65% of them ($206,971 against a typical $179,692), its price per square foot is higher than 39% of them ($130 against a typical $144), it is bigger than 67% of them (1,591 ft² against a typical 1,369 ft²), its lot is bigger than 77% of them (0.11 ac against a typical 3,485 ft²) and it is newer than 28% of them (1917 against a typical 1925). Measured against all of Kenton County, it is worth more than 27% 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 539 Elm St, Ludlow, KY?

The 2025 property tax bill for 539 Elm St, Ludlow, KY was $1,383. The county assessed it at $155,000.

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