Kenton County property record for 540 Linden St, Covington, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,664 sqft · built 1900 |
| Lot Size | 0.072 acres (3,125 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $167,000 (Jan 2020) |
| Tax Bill | $2,181 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jan 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-32-06-041.00 |
| Primary APN | 026-32-06-041.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,664 sqft Finished Area |
| Gross Area | 1,877 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Foundation Type | Block |
| 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 | 540 LINDEN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41016-1316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 156 25'X 125' |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 156 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 66900 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 540 LINDEN ST, COVINGTON, KY 41016-1316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Jan 14, 2020 | Warranty Deed, Transfer · Conventional with PMI GUARDIAN SVGS BK |
| Dec 7, 2017 | Grant Deed, Transfer · FHA Mortgage UNION HM MTG |
| May 25, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 14, 2020 · Amount on Record |
| Deed Sale | Jan 14, 2020 · Amount on Record |
| Prior Sale | Dec 7, 2017 · Amount on Record |
| Deed Document Number | 20205900009 |
| Deed Book / Page | 2 / 293 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 540 LINDEN ST, COVINGTON, KY 41016-1316 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2021 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|
| Document Number | 0005900022 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 288/176 |
| Instrument | 21102105900022 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 14, 2020 |
| Property Address | 540 LINDEN ST, COVINGTON, KY 41016-1316 |
| Document Number | 0000000009 |
| Book / Page | 000002 / 000293 |
| Instrument Date | Jan 9, 2020 |
| Instrument | 9 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $167.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 LINDEN ST LUDLOW KY 410161316, LUDLOW, KY 41016-1316 |
| Document Number | 10 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | 0000M3/000299 |
| Instrument | 10 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 13, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 7, 2017 |
| Property Address | 540 LINDEN ST, COVINGTON, KY 41016-1316 |
| Document Number | 0000000085 |
| Book / Page | 0C6310 / 000343 |
| Instrument Date | Oct 20, 2017 |
| Instrument | 85 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | COMMITMENT FOR TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $118.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 LINDEN ST COVINGTON KY 410161316, COVINGTON, KY 41016-1316 |
| Document Number | 86 |
|---|---|
| Date | Dec 7, 2017 |
| Book Page | 0C6310/000348 |
| Instrument | 86 |
| Name | UNION HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 6, 2047 |
| Document Number | 87, |
|---|---|
| Date | Dec 7, 2017 |
| Book Page | 0C6311/000001 |
| Instrument | 87 |
| Name | UNION HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FT MITCHELL, KY 41017 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Dec 6, 2027 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 25, 2017 |
| Property Address | 540 LINDEN ST, COVINGTON, KY 41016-1316 |
| Document Number | 0000000231 |
| Book / Page | 0C6167 / 000245 |
| Instrument Date | Dec 29, 2016 |
| Instrument | 231 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 7, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 333 S ANITA DR #400 ORANGE CA 928683314, 400, ORANGE, CA 92868-3314 |
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 | $184,300 (+10.36%) Land $15,000 Building $169,300 | $184,300 (+10.36%) Land $15,000 Building $169,300 | |
| 2025 | $2,181.00 (+1.49%) | $167,000 (-) Land $10,000 Building $157,000 | $167,000 (-) Land $10,000 Building $157,000 |
| 2023 | $2,149.00 | $167,000 Land $10,000 Building $157,000 | $167,000 Land $10,000 Building $157,000 |
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 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.
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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