Kenton County property record for 434 Linden St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 1,930 sqft · built 1930 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $153,000 (May 2021) |
| Tax Bill | $1,998 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage May 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-08-032.00 |
| Primary APN | 026-34-08-032.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,930 sqft Finished Area |
| Gross Area | 2,216 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 125 ft deep x 25 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 434 LINDEN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41016-1439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 64 |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 64 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3008 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 434 LINDEN ST, COVINGTON, KY 41016-1439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| May 10, 2021 | Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND |
| Aug 20, 2020 | Deed of Trust, Mortgage BANK OF ENGLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2021 · Amount on Record |
| Deed Sale | May 10, 2021 · Amount on Record |
| Deed Document Number | 20215900015 |
| Deed Book / Page | 89 / 259 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 434 LINDEN ST, LUDLOW, KY 41016-1439 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2022 |
| Title Company | SPRINGDALE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900072 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 317/422 |
| Instrument | 21122705900072 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 10, 2021 |
| Property Address | 434 LINDEN ST, LUDLOW, KY 41016-1439 |
| Document Number | 0005900015 |
| Book / Page | 89 / 259 |
| Map Reference | MB 21 PG 593 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 21051005900015 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| Title Company | NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12602 CAYWOOD LN, 12602, WALTON, KY 41094-7852 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 434 LINDEN ST, LUDLOW, KY 41016-1439 |
| Document Number | 0005900016 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 212/872 |
| Instrument | 21051005900016 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 434 LINDEN ST, LUDLOW, KY 41016-1439 |
| Document Number | 0000000062 |
| Instrument Date | Aug 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 434 LINDEN ST LUDLOW KY 410161439, LUDLOW, KY 41016-1439 |
| Document Number | 0000000062 |
|---|---|
| Date | Aug 28, 2020 |
| Book Page | 000M89/000900 |
| Instrument | 62 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Aug 27, 2035 |
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 | $220,200 (+43.92%) Land $15,000 Building $205,200 | $220,200 (+43.92%) Land $15,000 Building $205,200 | |
| 2025 | $1,998.00 (+1.47%) | $153,000 (-) Land $10,000 Building $143,000 | $153,000 (-) Land $10,000 Building $143,000 |
| 2023 | $1,969.00 | $153,000 Land $10,000 Building $143,000 | $153,000 Land $10,000 Building $143,000 |
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 |
| Flood Insurance Cost | Premium on Record 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 |
|
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures