Seller's Agent in 2026
Pat Tenoever
Sibcy Cline
(513) 615-3002
3 in this area
122 Total Sales
438 Linden St Covington, KY 41016
3
Beds
2.5
Baths
1,824
Sq Ft
3,123
Sq Ft Lot
Highlights
- Transitional Architecture
- High Ceiling
- Neighborhood Views
- 2 Fireplaces
- No HOA
- 5-minute walk to Ludlow Memorial Park
About This Home
As of January 2026Stunning 2-story brick home in the heart of Ludlow, Kentucky! This beautifully updated 3-bedroom, 2.5-bath property features LVP flooring throughout both levels, high ceilings, and a spacious eat-in kitchen complete with quartz countertops, stainless steel appliances, and a convenient counter bar. The primary suite offers its own private retreat with an en-suite bath and a walk-in tile shower.
Enjoy outdoor living with a fully enclosed backyard featuring a high wood fence—perfect for pets, gardening, or relaxing in privacy. A shaded side patio provides additional space for entertaining and the potential to create your ideal outdoor oasis. Additional highlights include a wrought iron front fence and a tankless water heater for added efficiency.
Located just minutes from highways, shopping, dining, and downtown Cincinnati, this home offers incredible convenience. Whether you're looking for a personal residence or a great investment opportunity, this property is an excellent choice!
Last Agent to Sell the Property
Sibcy Cline, REALTORS-Florence License #251387 Listed on: 12/03/2025
Home Details
Home Type
- Single Family
Year Built
- Built in 1930
Lot Details
- 3,125 Sq Ft Lot
- Lot Dimensions are 25 x 125
- Wrought Iron Fence
- Privacy Fence
- Wood Fence
- Level Lot
Home Design
- Transitional Architecture
- Brick Exterior Construction
- Block Foundation
- Poured Concrete
- Membrane Roofing
Interior Spaces
- 1,824 Sq Ft Home
- 2-Story Property
- High Ceiling
- Recessed Lighting
- Chandelier
- 2 Fireplaces
- Non-Functioning Fireplace
- Vinyl Clad Windows
- Double Hung Windows
- Panel Doors
- Living Room
- Neighborhood Views
Kitchen
- Gas Cooktop
- Microwave
- Dishwasher
- Stainless Steel Appliances
- Kitchen Island
Bedrooms and Bathrooms
- 3 Bedrooms
Unfinished Basement
- Partial Basement
- Laundry in Basement
Parking
- Driveway
- On-Street Parking
Outdoor Features
- Patio
Schools
- Mary A. Goetz Elementary School
- Ludlow Middle School
- Ludlow High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- Tankless Water Heater
Community Details
- No Home Owners Association
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Dec 3, 2025
Closed on
Jan 6, 2026
Sold by
Belliston Katherine C and Belliston Matthew R
Bought by
Young Joseph
Seller's Agent
Pat Tenoever
Sibcy Cline, REALTORS-Florence
Buyer's Agent
Jessica Hurley
Huff Realty - CC
List Price
$345,000
Sold Price
$325,000
Premium/Discount to List
-$20,000
-5.8%
Views
35
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
6.39%
Original Mortgage
$312,000
Outstanding Balance
$311,701
Interest Rate
6.19%
Mortgage Type
New Conventional
Estimated Equity
$17,148
Purchase Details
Listed on
Jul 5, 2024
Closed on
Aug 8, 2024
Sold by
Johnson Catherine Marie
Bought by
Belliston Matthew R and Belliston Katherine C
Seller's Agent
Nick Foltz
Pivot Realty Group
Buyer's Agent
Pat Tenoever
Sibcy Cline, REALTORS-Florence
List Price
$289,900
Sold Price
$289,900
Views
56
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
8.38%
Original Mortgage
$112,500
Interest Rate
6.77%
Mortgage Type
New Conventional
Purchase Details
Closed on
Mar 23, 2020
Sold by
Rer Rentals Llc
Bought by
Wo Properties Llc
Purchase Details
Closed on
Apr 3, 2012
Sold by
Steinborn Kimberly and Steinborn William A
Bought by
Rer Rentals Llc
Purchase Details
Closed on
Dec 1, 2011
Sold by
Federal Home Loan Mortgage Corporation
Bought by
Steinborn Kim
Purchase Details
Closed on
Aug 8, 2011
Sold by
Mahan Stephen A
Bought by
Federal Home Loan Mortgage Corporation
Purchase Details
Closed on
Oct 19, 2007
Sold by
Williams Kenneth
Bought by
Mahan Stephen A
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$65,000
Interest Rate
6.27%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
May 18, 2006
Sold by
Williams Paula E and Williams Kenneth
Bought by
Williams Kenneth
Purchase Details
Closed on
Oct 23, 2003
Sold by
Williams Kenneth P and Williams Harriet
Bought by
Williams Paula E
Purchase Details
Closed on
Jul 16, 2001
Sold by
Est Grace Shea
Bought by
Williams Kenneth P
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Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $325,000 | Chicago Title | |
| Warranty Deed | $289,900 | Lawyers Title | |
| Deed | $50,000 | Kentucky Land Title Agency | |
| Quit Claim Deed | -- | None Available | |
| Special Warranty Deed | $18,500 | None Available | |
| Commissioners Deed | $43,334 | None Available | |
| Warranty Deed | $65,000 | Republic Title Agency Inc | |
| Interfamily Deed Transfer | -- | None Available | |
| Interfamily Deed Transfer | $70,200 | -- | |
| Deed | $70,900 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $312,000 | New Conventional | |
| Previous Owner | $112,500 | New Conventional | |
| Previous Owner | $65,000 | Purchase Money Mortgage |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 01/09/2026 01/09/26 | Sold | $325,000 | -5.8% | $178 / Sq Ft | |
| 12/10/2025 12/10/25 | Pending | -- | -- | -- | |
| 12/03/2025 12/03/25 | For Sale | $345,000 | +19.0% | $189 / Sq Ft | |
| 08/08/2024 08/08/24 | Sold | $289,900 | 0.0% | $159 / Sq Ft | View Prior Sale |
| 07/11/2024 07/11/24 | Pending | -- | -- | -- | |
| 07/05/2024 07/05/24 | For Sale | $289,900 | -- | $159 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $3,786 | $289,900 | $10,000 | $279,900 |
| 2024 | $3,198 | $246,000 | $10,000 | $236,000 |
| 2023 | $3,166 | $246,000 | $10,000 | $236,000 |
| 2022 | $3,151 | $246,000 | $10,000 | $236,000 |
| 2021 | $771 | $50,000 | $10,000 | $40,000 |
| 2020 | $1,115 | $75,000 | $10,000 | $65,000 |
| 2019 | $1,109 | $75,000 | $10,000 | $65,000 |
| 2018 | $1,102 | $75,000 | $10,000 | $65,000 |
| 2017 | $1,087 | $75,000 | $10,000 | $65,000 |
| 2015 | $1,034 | $75,000 | $10,000 | $65,000 |
| 2014 | $993 | $75,000 | $10,000 | $65,000 |
Source: Public Records
Agents Affiliated with this Home
-
Pat Tenoever
-
Jessica Hurley
Buyer's Agent in 2026
Jessica Hurley
Huff Realty - CC
(859) 816-7104
1 in this area
71 Total Sales
-
Nick Foltz
Seller's Agent in 2024
Nick Foltz
Pivot Realty Group
(513) 401-6462
7 in this area
279 Total Sales
-
Brian Zeschke
Seller Co-Listing Agent in 2024
Brian Zeschke
Pivot Realty Group
(513) 602-5529
1 in this area
103 Total Sales
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 638374
APN: 026-34-08-034.00
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NKMLS. Real estate listings held by IDX Brokerage firms other than Ten-X are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about them includes the name of the listing Brokers.
Listing information is deemed reliable, but not guaranteed.
Copyright 2026 Northern Kentucky Multiple Listing Service, Inc. All rights reserved.
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