308 Linden St, Ludlow (Covington), KY 41016 Property Records

Kenton County property record for 308 Linden St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,088 sqft · built 1920
Lot Size	0.072 acres (3,125 sqft)
Owner	2 Individual Names on Record
Tax Bill	$795 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-10-014.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-10-014.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,088 sqft Finished Area
Gross Area	1,224 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,125 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	308 LINDEN ST
City	COVINGTON
State	KY
Zip	41016-1437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNER GEO R PT LOT 64 25'X 125'
Legal Subdivision	KENNER GEO R
Legal Lot Number	64
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2005
Census Tract	66900

Owner

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

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 Record
Mailing Address	308 LINDEN ST, COVINGTON, KY 41016-1437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 21, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Mar 17, 2020	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS
Jan 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	308 LINDEN ST, LUDLOW, KY 41016-1437
Transaction Type	Mortgage
Record Updated	Oct 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900209
Date	Oct 4, 2023
Book Page	KCM 497/338
Instrument	23100405900209

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	308 LINDEN ST, LUDLOW, KY 41016-1437
Transaction Type	Mortgage
Record Updated	Mar 17, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 STERRETT AVE LI1NDE, LI1NDE, COVINGTON, KY 41014

Mortgage

Document Number	0005900012
Date	Jan 21, 2022
Book Page	328/836
Instrument	22012105900012

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Apr 1, 2050

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	308 LINDEN ST, LUDLOW, KY 41016-1437
Document Number	0000000127
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	308 LINDEN ST LUDLOW KY 410161437, LUDLOW, KY 41016-1437

Mortgage

Document Number	0000000127
Date	May 20, 2020
Book Page	000022/000414
Instrument	127

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2050

Interest

Rate	3.25%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	308 LINDEN ST, LUDLOW, KY 41016-1437
Document Number	0000000022
Instrument Date	Jan 19, 2017
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	308 LINDEN ST LUDLOW KY 410161437, LUDLOW, KY 41016-1437

Mortgage

Document Number	0000000022
Date	Feb 3, 2017
Book Page	0C6088/000331
Instrument	22

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2047

Tax Assessment & Valuation

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		$124,800 (+13.45%) Land $15,000 Building $109,800	$124,800 (+13.45%) Land $15,000 Building $109,800
2025	$795.00 (-2.81%) Homeowner's exemption	$110,000 (-) Land $10,000 Building $100,000	$110,000 (-) Land $10,000 Building $100,000
2023	$818.00 Homeowner's exemption	$110,000 Land $10,000 Building $100,000	$110,000 Land $10,000 Building $100,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes

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

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

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 516 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

May also be available: T-Mobile.

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