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

Kenton County property record for 331 Linden St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,599 sqft · built 1925
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$212,000 (Aug 2021)
Tax Bill	$2,768 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-11-003.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-11-003.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,599 sqft Finished Area
Gross Area	1,777 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	331 LINDEN ST
City	COVINGTON
State	KY
Zip	41016-1436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNER GEO R W 1/2 OF E 1/2 LOT 69
Legal Subdivision	KENNER GEO R
Legal Lot Number	69
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	Individual Name on Record
Mailing Address	331 LINDEN ST, COVINGTON, KY 41016-1436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LENDING LLC
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage CINFED CU
Jun 29, 2020	Deed of Trust, Mortgage · Line of Credit CINFED CU
Feb 19, 2020	Quit Claim Deed, Transfer CINFED FCU
Feb 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage CINFED FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2021 · Amount on Record
Deed Sale	Aug 25, 2021 · Amount on Record
Prior Sale	Jun 24, 2013 · Amount on Record
Deed Document Number	20215900192
Deed Book / Page	113 / 542
Prior Transfer Date	Feb 25, 2004
Prior Transfer Doc	0316059001
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 25, 2021
Property Address	331 LINDEN ST, LUDLOW, KY 41016-1436
Document Number	0005900192
Book / Page	113 / 542
Map Reference	PL 133
Instrument Date	Aug 19, 2021
Instrument	21082505900192
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	360 AMERICAN TITLE SVCS LLC

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	301 SHELBY ST, 301, BROMLEY, KY 41016-1258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 LINDEN ST, LUDLOW, KY 41016-1436

Mortgage

Document Number	0005900193
Date	Aug 25, 2021
Book Page	262/295
Instrument	21082505900193

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	331 LINDEN ST, LUDLOW, KY 41016-1436
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	PROTITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900238
Date	Jun 10, 2021
Book Page	229/667
Instrument	21061005900238

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	331 LINDEN ST, LUDLOW, KY 41016-1436
Document Number	0000000092
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 LINDEN ST LUDLOW KY 410161436, LUDLOW, KY 41016-1436

Mortgage

Document Number	0000000092
Date	Jul 13, 2020
Book Page	000M68/000624
Instrument	92

Lender

Name	CINFED CU
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 12, 2040

Interest

Rate Type	Adjustable Rate

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Feb 19, 2020
Property Address	331 LINDEN ST, LUDLOW, KY 41016-1436
Document Number	0000000031
Book / Page	000007 / 000947
Instrument Date	Feb 11, 2020
Instrument	31
Transaction Type	Transfer
Record Updated	Apr 1, 2020
Title Company	PRO TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	331 LINDEN ST LUDLOW KY 410161436, LUDLOW, KY 41016-1436

Mortgage

Document Number	32
Date	Feb 19, 2020
Book Page	000M13/000179
Instrument	32

Lender

Name	CINFED FCU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Feb 18, 2040

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	331 LINDEN ST, LUDLOW, KY 41016-1436
Document Number	0000000095
Book / Page	0C6097 / 000069
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 LINDEN ST LUDLOW KY 410161436, LUDLOW, KY 41016-1436

Mortgage

Document Number	0000000095
Date	Feb 15, 2017
Book Page	0C6097/000069
Instrument	95

Lender

Name	CINFED FCU
Type	Credit Union
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 14, 2037

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		$212,000 (-) Land $15,000 Building $197,000	$212,000 (-) Land $15,000 Building $197,000
2025	$2,768.00 (+1.47%)	$212,000 (-) Land $10,000 Building $202,000	$212,000 (-) Land $10,000 Building $202,000
2023	$2,728.00	$212,000 Land $10,000 Building $202,000	$212,000 Land $10,000 Building $202,000

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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