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

Kenton County property record for 311 Linden St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 940 sqft · built 1910
Lot Size	0.072 acres (3,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$126,000 (May 2022)
Tax Bill	$1,645 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-11-011.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-11-011.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	940 sqft Finished Area
Gross Area	1,104 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	3,125 sqft (0.072 acres)
Lot Dimensions	125 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	311 LINDEN ST
City	COVINGTON
State	KY
Zip	41016-1436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNER GEO R PT LOT 66 25'X 125' SS LINDEN 300' E KENNER
Legal Subdivision	KENNER GEO R
Legal Lot Number	66
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2009
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	311 LINDEN ST, COVINGTON, KY 41016-1436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Jun 3, 2020	Grant Deed, Transfer · Conventional Mortgage HERITAGE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Jun 3, 2020 · Amount on Record
Deed Document Number	202261
Deed Book / Page	167 / 520
Prior Transfer Date	May 28, 2020
Prior Transfer Doc	0005900116
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 26, 2022
Property Address	311 LINDEN ST, LUDLOW, KY 41016-1436
Document Number	0005900061
Book / Page	167 / 520
Instrument Date	May 16, 2022
Instrument	22052605900061
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	271 LANDFORD ST, LUDLOW, KY 41016

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	311 LINDEN ST, LUDLOW, KY 41016-1436

Mortgage

Document Number	0005900062
Date	May 26, 2022
Instrument	22052605900062

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 3, 2020
Property Address	311 LINDEN ST, LUDLOW, KY 41016-1436
Document Number	0000000116
Book / Page	000024 / 000369
Instrument Date	May 28, 2020
Instrument	116
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 LINDEN ST LUDLOW KY 410161436, LUDLOW, KY 41016-1436

Mortgage

Document Number	117
Date	Jun 3, 2020
Book Page	000M52/000334
Instrument	117

Lender

Name	HERITAGE BK
Type	Bank
Address	WILLIAMSTOWN, KY 41097

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 2, 2035

Interest

Rate Type	Adjustable Rate

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		$126,000 (-) Land $15,000 Building $111,000	$126,000 (-) Land $15,000 Building $111,000
2025	$1,645.00 (+1.48%)	$126,000 (-) Land $10,000 Building $116,000	$126,000 (-) Land $10,000 Building $116,000
2023	$1,621.00	$126,000 Land $10,000 Building $116,000	$126,000 Land $10,000 Building $116,000

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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