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

Kenton County property record for 417 Linden St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,080 sqft · built 1900
Lot Size	0.075 acres (3,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Aug 2026)
Tax Bill	$1,632 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-09-009.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-09-009.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,080 sqft Finished Area
Gross Area	1,365 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Metal
Lot Area	3,250 sqft (0.075 acres)
Lot Dimensions	125 ft deep x 26 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	417 LINDEN ST
City	COVINGTON
State	KY
Zip	41016-1438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KENNER GEO R PT LOT 71 26'X 125' 22' S LINDEN 188' W KENNER
Legal Subdivision	KENNER GEO R
Legal Lot Number	71
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2012
Census Tract	66900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Central Ludlow Historic District listed 1984 · 343 contributing resources · NRIS 84000526

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	417 LINDEN ST, COVINGTON, KY 41016-1438
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE
Oct 28, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HSNG
Oct 19, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN MTG SVC
Dec 8, 2017	Warranty Deed, Transfer · FHA Mortgage COMMONWEALTH BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2026 · Amount on Record
Deed Sale	Aug 31, 2026 · Amount on Record
Prior Sale	Oct 28, 2020 · Amount on Record
Deed Document Number	2026083119967
Deed Book / Page	490 / 902
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 31, 2026
Property Address	417 LINDEN ST, COVINGTON, KY 41016-1438
Document Number	0000019967
Book / Page	490 / 902
Instrument Date	Aug 31, 2026
Instrument	202619967
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,180.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	417 LINDEN ST, COVINGTON, KY 41016-1438

Mortgage

Document Number	0000019968,
Date	Aug 31, 2026
Book Page	490/905
Instrument	2026083119968

Lender

Name	STOCKTON MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 28, 2020
Property Address	417 LINDEN ST, LUDLOW, KY 41016-1438
Document Number	0000000187
Book / Page	000052 / 000037
Instrument Date	Oct 19, 2020
Instrument	187
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	41 LINDEN ST LUDLOW KY 41016, LUDLOW, KY 41016

Mortgage

Document Number	M1170216
Date	Oct 28, 2020
Book Page	00M117/000216

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2050

Mortgage

Document Number	189,
Date	Oct 28, 2020
Book Page	00M117/000231
Instrument	189

Lender

Name	KENTUCKY HSNG
Address	LOUISVILLE, KY 40601

Agreement

Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	417 LINDEN ST, LUDLOW, KY 41016-1438
Document Number	0000000189
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 LINDEN ST LUDLOW KY 410161438, LUDLOW, KY 41016-1438

Mortgage

Document Number	0000000189
Date	Oct 28, 2020
Book Page	00M117/000231
Instrument	189

Lender

Name	KENTUCKY HSNG
Address	LOUISVILLE, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	417 LINDEN ST, LUDLOW, KY 41016-1438
Document Number	00M1170216
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Nov 11, 2020
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	417 LINDEN ST LUDLOW KY 410161438, LUDLOW, KY 41016-1438

Mortgage

Document Number	00M1170216
Date	Oct 28, 2020
Book Page	00M117/000216

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 8, 2017
Property Address	417 LINDEN ST, LUDLOW, KY 41016-1438
Document Number	0000000114
Book / Page	0C6312 / 000228
Instrument Date	Dec 5, 2017
Instrument	114
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$89.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 LINDEN ST LUDLOW KY 410161438, LUDLOW, KY 41016-1438

Mortgage

Document Number	115
Date	Dec 8, 2017
Book Page	0C6312/000231
Instrument	115

Lender

Name	COMMONWEALTH BK
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2047

Mortgage

Document Number	116,
Date	Dec 8, 2017
Book Page	0C6312/000248
Instrument	116

Lender

Name	COMMONWEALTH BK
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Dec 7, 2027

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		$125,000 (-) Land $15,000 Building $110,000	$125,000 (-) Land $15,000 Building $110,000
2025	$1,632.00 (+1.49%)	$125,000 (-) Land $10,000 Building $115,000	$125,000 (-) Land $10,000 Building $115,000
2023	$1,608.00	$125,000 Land $10,000 Building $115,000	$125,000 Land $10,000 Building $115,000

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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