Kenton County property record for 440 Linden St, Covington, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,312 sqft · built 1900 |
| Lot Size | 0.071 acres (3,125 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $156,300 (Sep 2017) |
| Tax Bill | $2,285 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-34-08-035.00 |
| Primary APN | 026-34-08-035.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 3 Stories |
| Building Area | 2,312 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 3,125 sqft (0.071 acres) |
| Lot Dimensions | 125 ft deep x 25 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0263408035.00 |
|---|---|
| Street Address | 440 LINDEN ST |
| City | COVINGTON |
| State | KY |
| Zip | 41016-1439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 61 25'X 125' |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 61 |
| 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 November 27, 2025
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 | 440 LINDEN ST, LUDLOW, KY 41016-1439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Sep 29, 2017 | Warranty Deed, Transfer · Conventional with PMI FRANKLIN AMERICAN MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2017 · Amount on Record |
| Deed Sale | Sep 29, 2017 · Amount on Record |
| Prior Sale | Dec 12, 2007 |
| Deed Document Number | 0000626115 |
| Deed Book / Page | 6261 / 15 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 440 LINDEN ST, COVINGTON, KY 41016-1439 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005900246 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 316/272 |
| Instrument | 21122105900246 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 29, 2017 |
| Property Address | 440 LINDEN ST, COVINGTON, KY 41016-1439 |
| Document Number | 0000000166 |
| Book / Page | 0C6261 / 000015 |
| Instrument Date | Sep 27, 2017 |
| Instrument | 166 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2017 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $156.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 440 LINDEN ST LUDLOW KY 410161439, LUDLOW, KY 41016-1439 |
| Document Number | 167 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 0C6261/000019 |
| Instrument | 167 |
| Name | FRANKLIN AMERICAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 28, 2047 |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $2,285.00 (+1.47%) | $175,000 (-) Land $10,000 Building $165,000 | $175,000 (-) Land $10,000 Building $165,000 |
| 2023 | $2,252.00 (+0.85%) | $175,000 (-) Land $10,000 Building $165,000 | $175,000 (-) Land $10,000 Building $165,000 |
| 2022 | $2,233.00 | $175,000 Land $10,000 Building $165,000 | $175,000 Land $10,000 Building $165,000 |
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 |
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