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

Kenton County property record for 421 Linden St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 3,071 sqft · built 1890
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Oct 2022)
Tax Bill	$2,742 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`026-34-09-008.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-09-008.00`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,071 sqft Finished Area
Gross Area	2,672 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	421 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 50'X 125' SS LINDEN 214' 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	Individual Name on Record
Mailing Address	5209 CHEVY CHASE CT, COLUMBUS, OH 43220-2310
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2022 · Amount on Record
Deed Sale	Oct 27, 2022 · Amount on Record
Prior Sale	Jun 9, 2015 · Amount on Record
Deed Document Number	202247
Deed Book / Page	197 / 245
Prior Transfer Date	Dec 10, 2021
Prior Transfer Doc	0005900308
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 27, 2022
Property Address	421 LINDEN ST, LUDLOW, KY 41016-1438
Document Number	0005900047
Book / Page	KC 197 / 245
Instrument Date	Oct 21, 2022
Instrument	22102705900047
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	NORTHWEST TTL FAM OF COMPANI

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	11989 SPRINGCREST BLVD, 11989, UNION, KY 41091-8275

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5209 CHEVY CHASE CT, COLUMBUS, OH 43220-2310

Mortgage

Document Number	0005900048
Date	Oct 27, 2022
Book Page	KCM 417/148
Instrument	22102705900048

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

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

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Dec 13, 2021
Property Address	421 LINDEN ST, LUDLOW, KY 41016-1438
Document Number	0005900308
Book / Page	136 / 774
Instrument Date	Dec 10, 2021
Instrument	21121305900308
Transaction Type	Transfer
Record Updated	Dec 24, 2021
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	11989 SPRINGCREST BLVD, UNION, KY 41091-8275

Mortgage

Document Number	0005900309
Date	Dec 13, 2021
Instrument	21121305900309

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 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		$236,600 (+12.67%) Land $15,000 Building $221,600	$236,600 (+12.67%) Land $15,000 Building $221,600
2025	$2,742.00 (+1.48%)	$210,000 (-) Land $10,000 Building $200,000	$210,000 (-) Land $10,000 Building $200,000
2023	$2,702.00	$210,000 Land $10,000 Building $200,000	$210,000 Land $10,000 Building $200,000

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.

Nearby Properties on Linden St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures