Kenton County property record for 107 Locust St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,583 sqft · built 1959 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,556 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-20-011.00 |
| Primary APN | 015-20-20-011.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,583 sqft Finished Area |
| Gross Area | 1,716 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 107 LOCUST ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1733 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERLANGER PROPER LOTS 116-117 |
| Legal Subdivision | ERLANGER PROPER |
| Legal Lot Number | 116-117 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 64400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Erlanger Proper Subdivision Historic District listed 2002 · 173 contributing resources · NRIS 02000918 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 107 LOCUST ST, ERLANGER, KY 41018-1733 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ONPOINT HOME LENDING |
| Sep 24, 2018 | Grant Deed, Transfer · Conventional with PMI AMERICAN MTG SVC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 107 LOCUST ST, ERLANGER, KY 41018-1733 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Title Company | NOT AVAILABLE, ATS |
| Name | Verified Name |
|---|
| Document Number | 0005900263 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 315/225 |
| Instrument | 21121605900263 |
| Name | ONPOINT HOME LENDING |
|---|---|
| Type | Non-Lending Institution |
| Address | FLORENCE, KY 41042 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 24, 2018 |
| Property Address | 107 LOCUST ST, ERLANGER, KY 41018-1733 |
| Document Number | 0000000040 |
| Book / Page | 0C6506 / 000273 |
| Instrument Date | Sep 20, 2018 |
| Instrument | 40 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2018 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $127.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 107 LOCUST STRGET ERLANGER KY 41018, ERLANGER, KY 41018 |
| Document Number | 43 |
|---|---|
| Date | Sep 24, 2018 |
| Book Page | 0C6506/000284 |
| Instrument | 43 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 23, 2048 |
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 | $193,800 (-) Land $25,000 Building $168,800 | $193,800 (-) Land $25,000 Building $168,800 | |
| 2025 | $2,556.00 (+1.55%) | $193,800 (-) Land $25,000 Building $168,800 | $193,800 (-) Land $25,000 Building $168,800 |
| 2023 | $2,517.00 | $193,800 Land $25,000 Building $168,800 | $193,800 Land $25,000 Building $168,800 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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 470 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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