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438 Linden St, Covington, KY 41016 Property Records

Kenton County property record for 438 Linden St, Covington, KY 41016 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1930
Square Footage1,824 sqft Finished Area
Lot Size3,125 sqft (0.072 acres)
OccupancyOwner Occupied
Last Sale$325,000 (2026)
Tax Bill$3,786.00 (2025)

Property Details

APN / Parcel Number

Primary APN026-34-08-034.00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,824 sqft Finished Area
Stories2 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1930
Exterior MaterialBrick Exterior
Roof MaterialComposition Shingle Roof
Lot Area3,125 sqft (0.072 acres)
Depth X Width125 ft x 25 ft Depth x Width

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Street Address438 LINDEN ST
CityCOVINGTON
StateKY
Zip41016-1439
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLUDLOW 2ND PART LOT 62 25'X 125'
Legal SubdivisionLUDLOW EST 2ND PARTITION
Legal Lot Number62
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup3
Census Block3008
Census Tract66900

Owner

Source: Kenton County records · APN 026-34-08-034.00

Assessment roll updated December 2, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address438 LINDEN ST, COVINGTON, KY 41016-1439
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 15, 2026Warranty Deed, Transfer · Conventional Mortgage
NFM LENDING
Aug 29, 2024Warranty Deed, Transfer · Conventional Mortgage
TRUIST BANK
Dec 08, 2021Warranty Deed, Transfer · Conventional Mortgage
RIVER CITY MORTGAGE LLC
Mar 24, 2020Grant Deed, Transfer
KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 15, 2026 · Amount on Record
Deed SaleJan 15, 2026 · Amount on Record
Prior SaleAug 29, 2024 · Amount on Record
Deed Doc Number2026820
Deed Book / Page385 / 63
Prior Transfer DateMay 18, 2006
Prior Transfer Doc0005900181
Record RefreshedJun 08, 2026

January 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJan 15, 2026
Property Address438 LINDEN ST, COVINGTON, KY 41016-1439
Document Number0000000820
Book / Page385 / 63
Instrument DateJan 06, 2026
Instrument26059000000820
Transaction TypeTransfer
Record UpdatedFeb 12, 2026
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE COMPANY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$325.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address9620 FOX SHORES DR, ALGONQUIN, IL 60102-9645

Transferred To (Grantee/Buyer)

NameVerified Name
Address438 LINDEN ST, LUDLOW, KY 41016-1439
InvestorPossibly a Property Investor

Mortgage

Document Number0000000821
DateJan 15, 2026
Instrument26059000000821
Lender
NameNFM LENDING
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2056

August 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateAug 29, 2024
Property Address438 LINDEN ST, COVINGTON, KY 41016-1439
Document Number0005900088
Book / PageKC 302 / 629
Instrument DateAug 05, 2024
Instrument24082905900088
Transaction TypeTransfer
Record UpdatedNov 28, 2025
Title CompanyLAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$290.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3707 DRAKEWOOD DR, CINCINNATI, OH 45209-2326

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address9620 FOX SHORES DR, ALGONQUIN, IL 60102-9645

Mortgage

Document Number0005900089
DateAug 29, 2024
Instrument24882805900089
Lender
NameTRUIST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2054

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateDec 08, 2021
Property Address438 LINDEN ST, COVINGTON, KY 41016-1439
Document Number0005900016
Book / PageKC 135 / 693
Instrument DateDec 06, 2021
Instrument21120805900016
Transaction TypeTransfer
Record UpdatedNov 28, 2025
Title Company360 AMERICAN TITLE SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address13 LOCUST ST, LUDLOW, KY 41016-1557

Transferred To (Grantee/Buyer)

NameVerified Name
Address438 LINDEN ST, LUDLOW, KY 41016-1439

Mortgage

Document Number0005900017
DateDec 08, 2021
Book Page312/49
Instrument21120805900017
Lender
NameRIVER CITY MORTGAGE LLC
TypeMortgage Company
AddressCINCINNATI, OH 45242
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

March 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateMar 24, 2020
Property Address438 LINDEN ST, LUDLOW, KY 41016-1439
Document Number0000000204
Book / Page000013 / 000758
Instrument DateMar 23, 2020
Instrument204
Transaction TypeTransfer
Record UpdatedJun 01, 2020
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

AmountAmount Recorded
Tax$50.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address13 LOCUST ST LUDLOW KY 410161557, LUDLOW, KY 41016-1557

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityLudlow City
Unified School DistrictLudlow Independent School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,786.00 (+19.58%)$289,900 (+17.85%) Land $10,000 Building $279,900$289,900 (+17.85%) Land $10,000 Building $279,900
2023$3,166.00$246,000 Land $10,000 Building $236,000$246,000 Land $10,000 Building $236,000

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