Kenton County property record for 522 Linden St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,056 sqft · built 1898 |
| Lot Size | 0.072 acres (3,125 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $72,750 (Nov 2004) |
| Tax Bill | $730 (2025) |
| Deeds & Mortgages | Dec 2022 Transfer Dec 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-32-06-033.00 |
| Primary APN | 026-32-06-033.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Finished Area |
| Gross Area | 1,168 sqft |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Slate |
| Lot Area | 3,125 sqft (0.072 acres) |
| Lot Dimensions | 125 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 522 LINDEN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41016-1316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 165 25'X 125' |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 165 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 66900 |
522 Linden St is owned and occupied by two individuals who acquired it in November 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 522 LINDEN ST, COVINGTON, KY 41016-1316 |
| 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.
| Date | Document |
|---|---|
| Dec 14, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Dec 14, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2004 · Amount on File |
| Deed Sale | Nov 3, 2004 · Amount on File |
| Deed Document Number | 200411 03 059 00379 |
| Deed Book / Page | 2388 / 37 |
| Last Transfer Date | Nov 3, 2022 |
| Transfer Doc | 0005900095 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 14, 2022 |
| Property Address | 522 LINDEN ST, LUDLOW, KY 41016-1316 |
| Document Number | 0005900095 |
| Book / Page | 205 / 116 |
| Map Reference | MB 21 PG 593 |
| Instrument Date | Nov 3, 2022 |
| Instrument | 22121405900095 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2023 |
| Tax | $105.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 458 GREENWELL AVENUE, COVINGTON, KY 41011 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 522 LINDEN ST, LUDLOW, KY 41016-1316 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 14, 2022 |
| Property Address | 522 LINDEN ST, LUDLOW, KY 41016-1316 |
| Document Number | 0005900094 |
| Book / Page | 205 / 113 |
| Map Reference | MB 21 PG 593 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 22121405900094 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 389 GREENWELL AVE, CINCINNATI, OH 45238-5811 |
The 2025 property tax bill for 522 Linden St was $730 with a disabled person's exemption.
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 | $143,500 (+36.67%) Land $15,000 Building $128,500 | $143,500 (+36.67%) Land $15,000 Building $128,500 | |
| 2025 | $730.00 Disabled Person's exemption | $105,000 Land $10,000 Building $95,000 | $105,000 Land $10,000 Building $95,000 |
| 2023 | $754.00 Disabled Person's exemption | $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.
FEMA maps place 522 Linden St in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1978.
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 File median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 26 (1978–2025) |
| Claims Outside the SFHA | 1 of 26 |
| 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.
Wildfire risk around 522 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.
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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