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523 Linden St, Ludlow, KY, 41016

2beds
1baths
1,104sqft
$104,900
$95price/sqft
$865/moest. monthly cost
$34,600/yrincome needed

About This Home

Priced reduced no to 104,900 Handypersons special. Fix and Remodel this home. 2 bedroom 1 bath. home in Ludlow at a great price. Cute home. Large sized rooms nice backyard. There is a drive-through alley in the back of this home. Set up an appointment to see this home!

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

6/10
6/10
Ludlow High SchoolGrades 7-120.1 mi

Construction

Condition

  • Property condition: Existing Structure

Materials

  • Foundation: Stone
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Partial

Bedroom2

  • Features: Carpet Flooring
  • Level: First
  • Area: 225
  • Dimensions: 15 x 15

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Eat-in Kitchen
  • Window features: Vinyl Frames,Wood Frames

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,104
  • Total interior livable area: 1,104 sqft

Kitchen

  • Features: Country Kitchen
  • Level: First
  • Area: 150
  • Dimensions: 15 x 10

Laundry

  • Features: See Remarks
  • Level: First
  • Area: 63
  • Dimensions: 9 x 7

Living Room

  • Features: Carpet Flooring
  • Level: First
  • Area: 225
  • Dimensions: 15 x 15

Primary Bedroom

  • Features: Carpet Flooring
  • Level: First
  • Area: 225
  • Dimensions: 15 x 15

Property

Details

  • Parcel number: 0263401013.00
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 1
  • Fencing: Chain Link
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 2,613 sqft
  • Features: Level
  • Lot size dimensions: 40*100

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Heat Wave
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $530$6,360
Home Insurance *$69$828
Property Taxes $112$1,344
Electricity $154$1,850
Total$865$10,380
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$29,657/yr
40% on housing$25,950/yr
45% on housing$23,066/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$95This listing

vs Other Active Listings

Avg $/sqft

ZIP 41016$114
Kenton County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 41016$166
Kenton County$184

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-11Listed for sale$104,900
2026-05-01Listing removed$104,900
2026-05-01Price change$104,900
2025-11-07Price change$110,000
2025-04-27Price change$119,000
2025-02-14Price change$120,000
2024-09-28Listed for sale$125,000
2010-04-05Sold$17,000
2010-01-16Price change$27,500
2009-12-15Price change$34,900
2009-11-11Price change$39,900
2009-10-16Listed for sale$44,900
2009-09-09Sold$60,851
2000-06-06Sold$46,100

For Sale by Agent

AgentJohn Vincent
BrokerageTop Quality Service Realty

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