Kenton County property record for 104 Clover Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,648 sqft · built 2001 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,500 (Oct 2001) |
| Tax Bill | $1,787 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Apr 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-31-005.10 |
| Primary APN | 015-20-31-005.10 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,648 sqft Finished Area |
| Gross Area | 1,768 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 104 CLOVER AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1880 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GALE SEC 2 LOT 53 |
| Legal Subdivision | GALE E T |
| Legal Phase | 2 |
| Legal Lot Number | 53 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 64500 |
104 Clover Ave is owned and occupied by two individuals who acquired it in March 2017.
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 CLOVER AVE, ERLANGER, KY 41018-1880 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 21, 2026 | Deed of Trust, Mortgage · Line of Credit TRUST BANK |
| Apr 20, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2001 · Amount on File |
| Deed Sale | Oct 24, 2001 · Amount on File |
| Last Transfer Date | Mar 31, 2017 |
| Transfer Doc | 0005900234 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 21, 2026 |
| Property Address | 104 CLOVER AVE, ERLANGER, KY 41018-1880 |
| Document Number | 0000019096 |
| Book / Page | 484 / 861 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 202619096 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Title Company | BLYTHE TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0000019096, |
|---|---|
| Date | Aug 21, 2026 |
| Book Page | 484/861 |
| Instrument | 202619096 |
| Name | TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 20, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 20, 2017 |
| Property Address | 104 CLOVER AVE, ERLANGER, KY 41018-1880 |
| Document Number | 0000000234 |
| Book / Page | 0C6141 / 000177 |
| Instrument Date | Mar 31, 2017 |
| Instrument | 234 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 CLOVER AVE ERLANGER KY 410181880, ERLANGER, KY 41018-1880 |
The 2025 property tax bill for 104 Clover Ave was $1,787 with a homeowner's exemption.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Erlanger City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $184,600 (-) Land $25,000 Building $159,600 | $184,600 (-) Land $25,000 Building $159,600 | |
| 2025 | $1,787.00 Homeowner's exemption | $184,600 Land $25,000 Building $159,600 | $184,600 Land $25,000 Building $159,600 |
| 2023 | $1,795.00 Homeowner's exemption | $184,600 Land $25,000 Building $159,600 | $184,600 Land $25,000 Building $159,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 Clover Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
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.
The area around 104 Clover Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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 |
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