Kenton County property record for 106 Clover Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,648 sqft · built 2001 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,000 (Nov 2021) |
| Tax Bill | $2,506 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Oct 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-31-005.02 |
| Primary APN | 015-20-31-005.02 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 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 |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 135 ft deep x 50 ft wide |
| 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 | 106 CLOVER AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1880 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GALE SEC 2 LOT 54 |
| Legal Subdivision | GALE E T |
| Legal Phase | 2 |
| Legal Lot Number | 54 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 64500 |
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 Record |
|---|---|
| Mailing Address | 106 CLOVER AVE, ERLANGER, KY 41018-1880 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2025 | Deed of Trust, Mortgage · VA Mortgage IMPERIUM LENDING LLC |
| Oct 3, 2023 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Nov 10, 2021 | Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2021 · Amount on Record |
| Deed Sale | Nov 10, 2021 · Amount on Record |
| Prior Sale | Apr 20, 2015 · Amount on Record |
| Deed Document Number | 20215900182 |
| Deed Book / Page | 130 / 446 |
| Prior Transfer Date | Feb 12, 2002 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 106 CLOVER AVE, ERLANGER, KY 41018-1880 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 106 CLOVER AVE, ERLANGER, KY 41018-1880 |
| Document Number | 0005900043 |
|---|---|
| Date | Dec 30, 2025 |
| Book Page | KCM 721/703 |
| Instrument | 25123005900043 |
| Name | IMPERIUM LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 106 CLOVER AVE, ERLANGER, KY 41018-1880 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900143 |
|---|---|
| Date | Oct 3, 2023 |
| Book Page | KCM 496/705 |
| Instrument | 23100305900143 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 10, 2021 |
| Property Address | 106 CLOVER AVE, ERLANGER, KY 41018-1880 |
| Document Number | 0005900182 |
| Book / Page | 130 / 446 |
| Map Reference | PL 90 1/2 |
| Instrument Date | Nov 9, 2021 |
| Instrument | 21111005900182 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | BRIDGETRUST TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6454 SHAWNEE CT, INDEPENDENCE, KY 41051-9227 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 106 CLOVER AVE, ERLANGER, KY 41018-1880 |
| Document Number | 0005900183 |
|---|---|
| Date | Nov 10, 2021 |
| Instrument | 21111005900183 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
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 | $190,000 (-) Land $25,000 Building $165,000 | $190,000 (-) Land $25,000 Building $165,000 | |
| 2025 | $2,506.00 (+1.54%) | $190,000 (-) Land $25,000 Building $165,000 | $190,000 (-) Land $25,000 Building $165,000 |
| 2023 | $2,468.00 | $190,000 Land $25,000 Building $165,000 | $190,000 Land $25,000 Building $165,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures