Sandra Wethington
eXp Realty, LLC
(513) 586-2852
302 Total Sales
3 in Ludlow
$239K - $349K Price Range
438 Linden St Covington, KY 41016
Ludlow AreaEstimated Value: $343,521
3
Beds
2.5
Baths
1,824
Sq Ft
$188/Sq Ft
Est. Value
Highlights
- Transitional Architecture
- High Ceiling
- Neighborhood Views
- 2 Fireplaces
- No HOA
- 4-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
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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
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
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
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
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$18,521
Avg. Annual Appreciation
8.12%
Original Mortgage
$312,000
Outstanding Balance
$310,180
Interest Rate
6.19%
Mortgage Type
New Conventional
Estimated Equity
$33,341
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
Dec 6, 2021
Sold by
Wo Properties Llc
Bought by
Johnson Catherine
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$196,800
Interest Rate
3.09%
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 and The Paula William Trust
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
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Covington, KY
-
Sandra Wethington
-
Arthur Greenlee IV
Arthur Greenlee IV
eXp Realty
(866) 835-4716
111 Total Sales
1 in Ludlow
$210,000 Price
-
John Lorms Home Team
John Lorms Home Team
Keller Williams Realty Service
(859) 888-0644
142 Total Sales
1 in Ludlow
$213,500 Price
-
Varun Varma
Varun Varma
Coldwell Banker Realty FM
(513) 866-5856
244 Total Sales
1 in Ludlow
$250,000 Price
-
Ben Schreiber
Ben Schreiber
eXp Realty, LLC
(859) 600-6189
91 Total Sales
2 in Ludlow
$275K - $300K Price Range
-
Jessica Reeves
Jessica Reeves
Responds QuicklySibcy Cline, REALTORS-Florence
(859) 600-0257
63 Total Sales
2 in Ludlow
$130K - $150K Price Range
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $325,000 | Chicago Title | ||
| Belliston Matthew R | $289,900 | Lawyers Title | |
| Johnson Catherine | $246,000 | 360 American Title | |
| Wo Properties Llc | $50,000 | Kentucky Land Title Agency | |
| Rer Rentals Llc | -- | None Available | |
| Steinborn Kim | $18,500 | None Available | |
| Federal Home Loan Mortgage Corporation | $43,334 | None Available | |
| Mahan Stephen A | $65,000 | Republic Title Agency Inc | |
| Williams Kenneth | -- | None Available | |
| Williams Paula E | $70,200 | -- | |
| Williams Kenneth P | $70,900 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | $312,000 | ||
| Previous Owner | Belliston Matthew R | $112,500 | |
| Previous Owner | Johnson Catherine | $196,800 | |
| Previous Owner | Mahan Stephen A | $65,000 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| 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
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| 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
Seller's Agent in 2026
Pat Tenoever
Sibcy Cline
(513) 615-3002
133 Total Sales
-
Jessica Hurley
Buyer's Agent in 2026
Jessica Hurley
Huff Realty - CC
(859) 816-7104
76 Total Sales
-
Nick Foltz
Seller's Agent in 2024
Nick Foltz
Pivot Realty Group
(513) 401-6462
253 Total Sales
-
Brian Zeschke
Seller Co-Listing Agent in 2024
Brian Zeschke
Pivot Realty Group
(513) 602-5529
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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