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

Kenton County property record for 424 Linden St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,560 sqft · built 1880
Lot Size	0.075 acres (3,250 sqft)
Owner	2 Individual Names on File
Last Sale	$274,000 (Feb 2025)
Tax Bill	$2,154 (2025)
Deeds & Mortgages	Feb 2025 Sale Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-08-027.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-08-027.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,560 sqft Finished Area
Gross Area	1,664 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
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

Location & Zoning

Street Address	424 LINDEN ST
City	COVINGTON
State	KY
Zip	41016-1439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 69 26'X 125'
Legal Subdivision	LUDLOW EST 2ND PARTITION
Legal Lot Number	69
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3008
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

424 Linden St is owned by two individuals who bought it in February 2025.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1633 CADDIE CIR, FLORENCE, KY 41042-7034
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2025	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES
Oct 1, 2019	Warranty Deed, Transfer · Conventional with PMI US BK
Jan 30, 2019	Grant Deed, Construction Loan · Construction Mortgage MM LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2025 · Amount on File
Deed Sale	Feb 17, 2025 · Amount on File
Prior Sale	Oct 1, 2019 · Amount on File
Deed Document Number	202574
Deed Book / Page	329 / 576
Prior Transfer Date	Mar 3, 2010
Prior Transfer Doc	0005900202
Record Updated	Oct 29, 2026

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 17, 2025
Property Address	424 LINDEN ST, LUDLOW, KY 41016-1439
Document Number	0005900074
Book / Page	KC 329 / 576
Instrument Date	Feb 13, 2025
Instrument	25021705900074
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	820 ISABELLA ST, NEWPORT, KY 41071-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1633 CADDIE CIR, FLORENCE, KY 41042-7034

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 1, 2019
Property Address	424 LINDEN ST, LUDLOW, KY 41016-1439
Document Number	0000000175
Book / Page	0C6765 / 000270
Instrument Date	Sep 17, 2019
Instrument	175
Transaction Type	Transfer
Record Updated	Oct 25, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 MEADOWLARK LN MONROE OH 450501362, MONROE, OH 45050-1362

Mortgage

Document Number	176
Date	Oct 1, 2019
Book Page	0C6765/000273
Instrument	176

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2049

January 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jan 30, 2019
Property Address	424 LINDEN ST, LUDLOW, KY 41016-1439
Document Number	0000000086
Book / Page	0C6591 / 000179
Instrument Date	Jan 29, 2019
Instrument	86
Transaction Type	Construction Loan
Record Updated	Feb 11, 2019

Transaction

Amount	Amount on Record
Tax	$42.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	56 ORPHANAGE RD FORT MITCHELL KY 410173128, FORT MITCHELL, KY 41017-3128

Mortgage

Document Number	87
Date	Jan 30, 2019
Book Page	0C6591/000181
Instrument	87

Lender

Name	MM LENDING LLC
Address	4165 WESTPORT RD # 204, LOUISVILLE, KY 40207-2785

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 29, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 424 Linden St was $2,154.

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		$274,000 (+66.06%) Land $15,000 Building $259,000	$274,000 (+66.06%) Land $15,000 Building $259,000
2025	$2,154.00	$165,000 Land $10,000 Building $155,000	$165,000 Land $10,000 Building $155,000
2023	$2,123.00	$165,000 Land $10,000 Building $155,000	$165,000 Land $10,000 Building $155,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 424 Linden St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1997.

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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	12 (1997–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 10 claims

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

Wildfire risk around 424 Linden St is low, with a 0.01% annual chance of 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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