Kenton County property record for 431 Linden St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,177 sqft · built 1900 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,050,000 (Feb 2022) |
| Tax Bill | $2,742 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Feb 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-09-003.00 |
| Primary APN | 026-34-09-003.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,177 sqft Finished Area |
| Gross Area | 2,072 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 431 LINDEN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41016-1438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 74 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 74 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 66900 |
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.
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 | Company Name on Record |
|---|---|
| Mailing Address | 3500 PARK CENTER DR, 100, DAYTON, OH 45414-2680 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 15, 2023 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF AMERICA NA |
| Feb 10, 2022 | Quit Claim Deed, Transfer TOTAL TITLE SERVICES INC, TOTAL TITLE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 10, 2022 · Amount on Record |
| Deed Sale | Feb 10, 2022 · Amount on Record |
| Deed Document Number | 2022193 |
| Deed Book / Page | 147 / 501 |
| Prior Transfer Date | Feb 1, 2022 |
| Prior Transfer Doc | 0005900193 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 431 LINDEN ST, LUDLOW, KY 41016-1438 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Title Company | OS NATIONAL LLC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0005900170 |
|---|---|
| Date | Dec 15, 2023 |
| Book Page | KCM 514/463 |
| Instrument | 23121505900170 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | NEW YORK, NY 10036 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 10, 2022 |
| Property Address | 431 LINDEN ST, LUDLOW, KY 41016-1438 |
| Document Number | 0005900193 |
| Book / Page | 147 / 501 |
| Map Reference | MB 21 PG 595 |
| Instrument Date | Feb 1, 2022 |
| Instrument | 22021005900193 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2022 |
| Title Company | TOTAL TITLE SERVICES INC, TOTAL TITLE SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 275 E MAIN ST, 275, FRANKFORT, KY 40621-1000 |
| Name | Verified Name |
|---|---|
| Address | 3500 PARK CENTER DR STE 100, 100, DAYTON, OH 45414-2680 |
| Investor | Possibly a Property Investor |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $225,200 (+7.24%) Land $15,000 Building $210,200 | $225,200 (+7.24%) Land $15,000 Building $210,200 | |
| 2025 | $2,742.00 (+102.96%) | $210,000 (+1%) Land $10,000 Building $200,000 | $210,000 (+1%) Land $10,000 Building $200,000 |
| 2023 | $1,351.00 | $105,000 Land $10,000 Building $95,000 | $105,000 Land $10,000 Building $95,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 719 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 |
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