401-403 Elm Street Covington, KY ^$ 325,000

401-403 Elm Street

^$ 325,000

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401-403 Elm Street

Covington, KY, 41016

^$ 325,000

Bedrooms-- Baths-- Sq 5,556

Monthly Estimate*

^$ 2,028

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Commercial Property for sale in Covington, KY

for $325,000. This 5,556 square foot building was built in 1900 on a lot size of 0.11.

Motivated seller offering a rare opportunity in the heart of Ludlow with a 20K price reduction! 401-403 Elm St is a classic corner property offering both retail and residential possibilities with exceptional visibility and flexibility. This two-story mixed-use building spans over 5,500 square feet and sits on a 0.11-acre lot in a thriving, walkable neighborhood just minutes from downtown Cincinnati. Includes Bonus Building with Separate Utilities.

Commercial Active

Price

^$ 325,000

Property Type

Commercial

Taxes

^$ 0

Style

Mixed Use

Lot Size

0.11

Year Built

1900

Town/City

Covington

County/Region

Kenton

MLS | Web ID

633551

Features

General

Living Area 5556.0

Sewer Public Sewer

Heating Natural Gas

Cooling Central Air

Utilities Natural Gas Available Water Available

Roof Shingle

Construction Materials Brick Aluminum Siding

Year Built 1900

Levels Two

Property Subtype Mixed Use

Business Type Retail Professional/Office Hair Care Food & Beverage Apartments

County Kenton

New Construction No

Property Type E

Attached Garage No

Status Active

Directions Adela Ave. to Walnut St.

City Covington

Zoning Description Non Conform

MLS Area K02 - Bromley/Ludlow Area

Lot Size Units Acres

Lot Size Square Feet 4907.0

Property Condition Existing Structure

MLS Area Minor K02 - Bromley/Ludlow Area

Living Area Units Square Feet

Standard Status Active

Interior

Basement Full

Air Conditioning Y/N Yes

Heating Y/N Yes

Window Features Vinyl Frames

Total Baths 0

Exterior

Parking Features On Street

Water Source Public

Lot Size Area 0.11

Foundation Details Stone

Building Area Total 0.0

Lot Dimensions Irregular

Lot Size Acres 0.11

Road Surface Type Paved

Lot Size Source Realist

Road Frontage Type City Street

Land Lease Type Fee

* Excluded Features

List By

Exp Realty, Llc

Broker

showings@caldwellrg.com

Affordability Calculator

$2,028

Per Month

Monthly Principal & Interest: $2,028
Monthly Property Taxes: --
Monthly Home Insurance: --

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Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Commerical listings in Covington, KY

Average List Price ^$591,218

Percent of Sale Price 82%

About Covington, KY

41,769 Population

-4% Since 2002

^$40,250 Median Income

37.49 Median Age

23% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

946173 Elementary School

946012 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
11/18/2025	$325,000	-7.01%	Price Down
8/28/2025	$349,500	-5.41%	Price Down
7/22/2025	$369,500	-1.47%	Price Down
6/17/2025	$375,000		Listed Price

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401-403 Elm Street, Covington, KY, 41016 is a Commercial Property for sale at $325,000 with 5,556 sqft and a lot size of 0.11. 401-403 Elm Street was built in 1900. The property's zip code is 41016 which is in Covington, KY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Listing data provided courtesy of the Internet Data Exchange Program of the Northern KY Multiple Listing Service, Inc.

The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of the Northern KY Multiple Listing Service, Inc. Real Estate listings held by brokerage firms (licensees) other than Weichert Realtors include the name of the listing brokers.

The information being provided is for consumers' personal, non-commercial use and may not be reproduced or redistribute. Its sole purpose is to be used for no other purpose than to identify prospective properties consumers may be interested in purchasing.

Data is updated as of 12/6/2025.

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401-403 Elm Street

Commercial Property for sale in Covington, KY

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