Kenton County property record for 604 Linden St, Ludlow, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 862 sqft · built 1915 |
| Lot Size | 0.072 acres (3,125 sqft) |
| Owner | Individual Name on File |
| Last Sale | $121,000 (Feb 2023) |
| Tax Bill | $1,580 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-32-07-016.00 |
| Primary APN | 026-32-07-016.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 862 sqft Finished Area |
| Gross Area | 958 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| 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 | 604 LINDEN ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41016-1344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOW 2ND PART LOT 247 25'X 125' |
| Legal Subdivision | LUDLOW EST 2ND PARTITION |
| Legal Lot Number | 247 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 66900 |
604 Linden St is owned and occupied by an individual who bought it in February 2023.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 604 LINDEN ST, COVINGTON, KY 41016-1344 |
| 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 |
|---|---|
| Mar 23, 2023 | Deed of Trust, Mortgage CITY OF COVINGTON |
| Feb 6, 2023 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 2023 · Amount on File |
| Deed Sale | Feb 6, 2023 · Amount on File |
| Prior Sale | Jul 29, 1998 · Amount on File |
| Deed Document Number | 202336 |
| Deed Book / Page | 212 / 133 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 604 LINDEN ST, LUDLOW, KY 41016-1344 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005900013 |
|---|---|
| Date | Mar 23, 2023 |
| Book Page | KCM 448/385 |
| Instrument | 23032305900013 |
| Name | CITY OF COVINGTON |
|---|---|
| Type | Government Agency |
| Address | COVINGTON, KY 41011 |
| Amount | Amount on Record |
|---|---|
| Term | 118 Months |
| Due | Jan 26, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 6, 2023 |
| Property Address | 604 LINDEN ST, LUDLOW, KY 41016-1344 |
| Document Number | 0005900036 |
| Book / Page | KC 212 / 133 |
| Instrument Date | Jan 31, 2023 |
| Instrument | 23020605900036 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1531 SHORESIDE DR # 102, 102, HARDEEVILLE, SC 29927-2109 |
| Name | Verified Name |
|---|---|
| Address | 604 LINDEN ST, LUDLOW, KY 41016-1344 |
| Document Number | 0005900037 |
|---|---|
| Date | Feb 6, 2023 |
| Book Page | KCM 438/648 |
| Instrument | 23020605900037 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
The 2025 property tax bill for 604 Linden St was $1,580.
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 | $121,000 (-) Land $15,000 Building $106,000 | $121,000 (-) Land $15,000 Building $106,000 | |
| 2025 | $1,580.00 | $121,000 Land $10,000 Building $111,000 | $121,000 Land $10,000 Building $111,000 |
| 2023 | $561.00 Homeowner's exemption | $90,000 Land $10,000 Building $80,000 | $90,000 Land $10,000 Building $80,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 604 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 604 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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