Kenton County property record for 536 Linden St, Covington, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,632 sqft · built 1900 |
| Lot Size | 0.072 acres (3,125 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Feb 2023) |
| Tax Bill | $2,873 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Jun 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-32-06-039.00 |
| Primary APN | 026-32-06-039.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Finished Area |
| Gross Area | 2,126 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| 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 | 536 LINDEN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41016-1316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 158 25'X 125' |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 158 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 66900 |
Source: Kenton County records · APN 026-32-06-039.00
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 536 LINDEN ST, COVINGTON, KY 41016-1316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage ONPOINT HOME LENDING |
| Jun 13, 2022 | Deed of Trust, Mortgage · Line of Credit L&N FCU |
| Aug 09, 2021 | Deed of Trust, Mortgage · Line of Credit L&N FCU |
| Aug 30, 2017 | Deed of Trust, Mortgage · Line of Credit L&N FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 27, 2023 · Amount on Record |
| Deed Sale | Feb 27, 2023 · Amount on Record |
| Prior Sale | Sep 09, 2009 · Amount on Record |
| Deed Document Number | 20230227164 |
| Deed Book / Page | 215 / 243 |
| Prior Transfer Date | May 27, 2008 |
| Prior Transfer Doc | 0005900014 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 27, 2023 |
| Property Address | 536 LINDEN ST, LUDLOW, KY 41016-1316 |
| Document Number | 0005900164 |
| Book / Page | KC 215 / 243 |
| Map Reference | MB 21 PG 593 |
| Instrument Date | Feb 23, 2023 |
| Instrument | 23022705900164 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2023 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 301 LINDEN ST, LUDLOW, KY 41016-1436 |
| Name | Verified Name |
|---|---|
| Address | 536 LINDEN ST, LUDLOW, KY 41016-1316 |
| Document Number | 0005900165 |
|---|---|
| Date | Feb 27, 2023 |
| Book Page | KCM 442/524 |
| Instrument | 23022705900165 |
| Name | ONPOINT HOME LENDING |
|---|---|
| Type | Non-Lending Institution |
| Address | FLORENCE, KY 41042 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 536 LINDEN ST, LUDLOW, KY 41016-1316 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900194 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 379/239 |
| Instrument | 22061305900194 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 12, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 536 LINDEN ST, LUDLOW, KY 41016-1316 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900151 |
|---|---|
| Date | Aug 09, 2021 |
| Book Page | 253/423 |
| Instrument | 21080905900151 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 08, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 536 LINDEN ST, LUDLOW, KY 41016-1316 |
| Document Number | 0000000096 |
| Book / Page | 0C6244 / 000319 |
| Instrument Date | Aug 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2017 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 536 LINDEN ST LUDLOW KY 410161316, LUDLOW, KY 41016-1316 |
| Document Number | 0000000096 |
|---|---|
| Date | Sep 11, 2017 |
| Book Page | 0C6244/000319 |
| Instrument | 96 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 10, 2037 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,873.00 (+44.08%) | $220,000 (+41.94%) Land $10,000 Building $210,000 | $220,000 (+41.94%) Land $10,000 Building $210,000 |
| 2023 | $1,994.00 (+0.86%) | $155,000 (-) Land $10,000 Building $145,000 | $155,000 (-) Land $10,000 Building $145,000 |
| 2022 | $1,977.00 | $155,000 Land $10,000 Building $145,000 | $155,000 Land $10,000 Building $145,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), as of June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170669004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 719 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system KY0590220, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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