Kenton County property record for 108 Locust St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,040 sqft · built 1900 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $149,000 (Oct 2022) |
| Tax Bill | $1,965 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-21-014.00 |
| Primary APN | 015-20-21-014.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,040 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Wood Siding |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 108 LOCUST ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERLANGER PROPER LOT 91 |
| Legal Subdivision | ERLANGER PROPER |
| Legal Lot Number | 91 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2022 |
| 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.
108 Locust St is owned and occupied by two individuals who bought it in October 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 108 LOCUST ST, ERLANGER, KY 41018-1734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 1, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 27, 2022 | Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Apr 25, 2017 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2022 · Amount on File |
| Deed Sale | Oct 27, 2022 · Amount on File |
| Prior Sale | Aug 18, 2000 · Amount on File |
| Deed Document Number | 202229 |
| Deed Book / Page | 197 / 214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 108 LOCUST ST, ERLANGER, KY 41018-1734 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 108 LOCUST ST, ERLANGER, KY 41018-1734 |
| Document Number | 0005900144 |
|---|---|
| Date | Jun 1, 2022 |
| Book Page | 375/20 |
| Instrument | 22060105900144 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 108 LOCUST ST, ERLANGER, KY 41018-1734 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900272 |
|---|---|
| Date | Feb 26, 2021 |
| Book Page | 175/121 |
| Instrument | 21022605900272 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 316 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 27, 2022 |
| Property Address | 108 LOCUST ST, ERLANGER, KY 41018-1734 |
| Document Number | 0005900029 |
| Book / Page | KC 197 / 214 |
| Map Reference | PL 67 |
| Instrument Date | Oct 20, 2022 |
| Instrument | 22102705900029 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $149.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1721 SHERMAN CT, UNION, KY 41091-7618 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 108 LOCUST ST, ERLANGER, KY 41018-1734 |
| Document Number | 0005900030 |
|---|---|
| Date | Oct 27, 2022 |
| Instrument | 22102705900030 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 25, 2017 |
| Property Address | 108 LOCUST ST, ERLANGER, KY 41018-1734 |
| Document Number | 0000000146 |
| Book / Page | 0C6144 / 000018 |
| Instrument Date | Apr 24, 2017 |
| Instrument | 146 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2017 |
| Title Company | NORTHWEST TITLE AGENCY INC, NORTHWEST TITLE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $87.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 LOCUST ST ERLANGER KY 410181734, ERLANGER, KY 41018-1734 |
| Document Number | 147 |
|---|---|
| Date | Apr 25, 2017 |
| Book Page | 0C6144/000021 |
| Instrument | 147 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 24, 2047 |
The 2025 property tax bill for 108 Locust St was $1,965.
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 | $149,000 (-) Land $25,000 Building $124,000 | $149,000 (-) Land $25,000 Building $124,000 | |
| 2025 | $1,965.00 | $149,000 Land $25,000 Building $124,000 | $149,000 Land $25,000 Building $124,000 |
| 2023 | $1,935.00 | $149,000 Land $25,000 Building $124,000 | $149,000 Land $25,000 Building $124,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Locust St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 108 Locust St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% 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 479 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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