10 Clover Ave, Erlanger, KY 41018 Property Records

Kenton County property record for 10 Clover Ave, Erlanger, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,386 sqft · built 1940
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Nov 2019)
Tax Bill	$2,370 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015-20-31-005.07`

Property Details

APN / Parcel Number

Primary APN	`015-20-31-005.07`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,386 sqft Finished Area
Gross Area	2,009 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	135 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	10 CLOVER AVE
City	ERLANGER
State	KY
Zip	41018-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GALE LOT 36
Legal Subdivision	GALE E T
Legal Lot Number	36
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3007
Census Tract	64500

Owner

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	10 CLOVER AVE, ERLANGER, KY 41018-1825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2019 · Amount on Record
Deed Sale	Nov 26, 2019 · Amount on Record
Prior Sale	May 3, 2013 · Amount on Record
Deed Document Number	201911 26 059 00122
Deed Book / Page	6811 / 344
Prior Transfer Date	Mar 16, 2006
Prior Transfer Doc	0005900160
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 26, 2019
Property Address	10 CLOVER AVE, ERLANGER, KY 41018-1825
Document Number	0000000122
Book / Page	0C6811 / 000344
Instrument Date	Nov 20, 2019
Instrument	122
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	NORTHWEST TITLE FAM/COMPANIES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CLOVER AVE ERLANGER KY 410181825, ERLANGER, KY 41018-1825

Mortgage

Document Number	124
Date	Nov 26, 2019
Book Page	0C6811/000346
Instrument	124

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2049

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Erlanger City
Unified School District	Erlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$179,700 (-) Land $25,000 Building $154,700	$179,700 (-) Land $25,000 Building $154,700
2025	$2,370.00 (+1.54%)	$179,700 (-) Land $25,000 Building $154,700	$179,700 (-) Land $25,000 Building $154,700
2023	$2,334.00	$179,700 Land $25,000 Building $154,700	$179,700 Land $25,000 Building $154,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2022 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 336 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20