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

Kenton County property record for 320 Linden St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,250 sqft · built 1900
Lot Size	0.009 acres (375 sqft)
Owner	2 Individual Names on Record
Last Sale	$88,200 (Apr 1998)
Tax Bill	$1,056 (2025)
Deeds & Mortgages	Sep 2016 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-10-018.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-10-018.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,250 sqft Finished Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	375 sqft (0.009 acres)
Lot Dimensions	125 ft deep x 3 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	320 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 62 29 1,3'X 125' NS LINDEN 200' E KENNER
Legal Subdivision	KENNER GEO R
Legal Lot Number	62
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	320 LINDEN ST, COVINGTON, KY 41016-1437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 1998 · Amount on Record
Deed Sale	Apr 20, 1998 · Amount on Record
Prior Sale	Jul 31, 1997 · Amount on Record
Record Updated	Oct 29, 2026

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	320 LINDEN ST, LUDLOW, KY 41016-1437
Document Number	0000000132
Book / Page	0C6116 / 000208
Instrument Date	Sep 17, 2016
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	AMERISTAR INFORMATION NETWORK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 LINDEN ST LUDLOW KY 410161437, LUDLOW, KY 41016-1437

Mortgage

Document Number	0000000132
Date	Mar 15, 2017
Book Page	0C6116/000208
Instrument	132

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Mar 14, 2039

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		$216,000 (+66.15%) Land $15,000 Building $201,000	$216,000 (+66.15%) Land $15,000 Building $201,000
2025	$1,056.00 (-1.77%) Homeowner's exemption	$130,000 (-) Land $10,000 Building $120,000	$130,000 (-) Land $10,000 Building $120,000
2023	$1,075.00 Homeowner's exemption	$130,000 Land $10,000 Building $120,000	$130,000 Land $10,000 Building $120,000

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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