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

Kenton County property record for 425 Linden St, Ludlow, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,734 sqft · built 1919
Lot Size	0.075 acres (3,250 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Aug 2018)
Tax Bill	$2,089 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`026-34-09-006.00`

Property Details

APN / Parcel Number

Primary APN	`026-34-09-006.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,734 sqft Finished Area
Gross Area	1,836 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
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	425 LINDEN ST
City	COVINGTON
State	KY
Zip	41016-1438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOW 2ND PART LOT 71 26'X 125' SS LINDEN
Legal Subdivision	LUDLOW EST 2ND PARTITION
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

425 Linden St is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	425 LINDEN ST, COVINGTON, KY 41016-1438
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 2, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 15, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Jun 6, 2017	Grant Deed, Transfer
Mar 9, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2018 · Amount on File
Deed Sale	Aug 15, 2018 · Amount on File
Prior Sale	Mar 9, 2017 · Amount on File
Deed Document Number	201808 15 059 00148
Deed Book / Page	6477 / 311
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	425 LINDEN ST, LUDLOW, KY 41016-1438
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900066
Date	Jul 2, 2021
Book Page	238/1
Instrument	21070205900066

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 15, 2018
Property Address	425 LINDEN ST, LUDLOW, KY 41016-1438
Document Number	0000000146
Book / Page	0C6477 / 000311
Instrument Date	Aug 13, 2018
Instrument	146
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
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	425 LINDEN ST LUDLOW KY 410161438, LUDLOW, KY 41016-1438

Mortgage

Document Number	147
Date	Aug 15, 2018
Book Page	0C6477/000314
Instrument	147

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2048

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 6, 2017
Property Address	425 LINDEN ST, LUDLOW, KY 41016-1438
Document Number	0000000251
Book / Page	0C6175 / 000325
Instrument Date	May 3, 2017
Instrument	251
Transaction Type	Transfer
Record Updated	Jun 14, 2017

Transaction

Amount	Amount on Record
Tax	$35.00
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	6364 ROSEWOOD LN MASON OH 450405922, MASON, OH 45040-5922

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 9, 2017
Property Address	425 LINDEN ST, LUDLOW, KY 41016-1438
Document Number	0000000173
Book / Page	0C6112 / 000036
Instrument Date	Jan 10, 2017
Instrument	173
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$41.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	425 PHILLIPS BLVD EWING NJ 086181430, EWING, NJ 08618-1430

Tax Assessment & Valuation

The 2025 property tax bill for 425 Linden St was $2,089.

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		$178,200 (+11.38%) Land $15,000 Building $163,200	$178,200 (+11.38%) Land $15,000 Building $163,200
2025	$2,089.00	$160,000 Land $10,000 Building $150,000	$160,000 Land $10,000 Building $150,000
2023	$2,059.00	$160,000 Land $10,000 Building $150,000	$160,000 Land $10,000 Building $150,000

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

Flood

FEMA maps place 425 Linden St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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
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

Wildfire risk around 425 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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