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

Kenton County property record for 316 Linden St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,724 sqft · built 1880
Lot Size	0.201 acres (8,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,001 (Jun 2019)
Tax Bill	$1,959 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Jun 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-10-016.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-10-016.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,724 sqft Finished Area
Gross Area	2,334 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	8,750 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	316 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 63 70'X 125' NS LINDEN 125' W DAVIS
Legal Subdivision	KENNER GEO R
Legal Lot Number	63
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	316 LINDEN ST, COVINGTON, KY 41016-1437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC
Jun 21, 2019	Grant Deed, Transfer ATTORNEY ONLY
Nov 29, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2019 · Amount on Record
Deed Sale	Jun 21, 2019 · Amount on Record
Prior Sale	Nov 29, 2018 · Amount on Record
Deed Document Number	201906 21 059 00268
Deed Book / Page	6688 / 134
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 27, 2020
Property Address	316 LINDEN ST, LUDLOW, KY 41016-1437
Document Number	0000000189
Book / Page	000004 / 000070
Instrument Date	Jan 15, 2020
Instrument	189
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 LINDEN ST LUDLOW KY 410161437, LUDLOW, KY 41016-1437

Mortgage

Document Number	190
Date	Jan 27, 2020
Book Page	0000M6/000597
Instrument	190

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2050

Mortgage

Document Number	191,
Date	Jan 27, 2020
Book Page	0000M6/000611
Instrument	191

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 26, 2030

Interest

Rate Type	Adjustable Rate

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 21, 2019
Property Address	316 LINDEN ST, LUDLOW, KY 41016-1437
Document Number	0000000268
Book / Page	0C6688 / 000134
Instrument Date	May 2, 2019
Instrument	268
Transaction Type	Transfer
Record Updated	Jul 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	316 LINDEN ST LUDLOW KY 410161437, LUDLOW, KY 41016-1437

November 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Nov 29, 2018
Property Address	316 LINDEN ST, LUDLOW, KY 41016-1437
Document Number	0000000159
Book / Page	0C6554 / 000119
Instrument Date	Oct 22, 2018
Instrument	159
Transaction Type	Foreclosure
Record Updated	Dec 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1600 S DOUGLASS RD #200-A ANAHEIM CA 928065948, 200-A, ANAHEIM, CA 92806-5948

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		$213,000 (+42%) Land $15,000 Building $198,000	$213,000 (+42%) Land $15,000 Building $198,000
2025	$1,959.00 (+1.5%)	$150,000 (-) Land $10,000 Building $140,000	$150,000 (-) Land $10,000 Building $140,000
2023	$1,930.00	$150,000 Land $10,000 Building $140,000	$150,000 Land $10,000 Building $140,000

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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