Kenton County property record for 113 Commonwealth Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,960 sqft · built 1895 |
| Lot Size | 0.268 acres (11,673 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,882 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Nov 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-34-008.00 |
| Primary APN | 003-40-34-008.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,960 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 11,673 sqft (0.268 acres) |
| Lot Dimensions | 175 ft deep x 66.7 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 113 COMMONWEALTH AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERLANGER PROPER RESUB OF LOT 187 LOTS 49-50 66.66'X 175' 333.35' S ELM ST ES COMMONWEALTH |
| Legal Subdivision | ERLANGER RE SUBD |
| Legal Lot Number | 49-50 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 64300 |
113 Commonwealth Ave is owned and occupied by two individuals.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 113 COMMONWEALTH AVE, ERLANGER, KY 41018-1743 |
| 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 |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · Line of Credit HERITAGE BANK |
| Nov 28, 2023 | Deed of Trust, Mortgage · Line of Credit HERITAGE BANK INC |
| Jun 29, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Jun 29, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 19, 2026 |
| Property Address | 113 COMMONWEALTH AVE, ERLANGER, KY 41018-1743 |
| Document Number | 0000010454 |
| Book / Page | 434 / 231 |
| Instrument Date | May 11, 2026 |
| Instrument | 202610454 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 113 COMMONWEALTH AVE, ERLANGER, KY 41018-1743 |
| Document Number | 0000010454, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 434/231 |
| Instrument | 202610454 |
| Name | HERITAGE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 25, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 113 COMMONWEALTH AVE, ERLANGER, KY 41018-1743 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 113 COMMONWEALTH AVE, ERLANGER, KY 41018-1743 |
| Document Number | 0005900019 |
|---|---|
| Date | Nov 28, 2023 |
| Book Page | KCM 509/636 |
| Instrument | 23112805900019 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | ERLANGER, KY 41018 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Oct 25, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 113 COMMONWEALTH AVE, ERLANGER, KY 41018-1743 |
| Document Number | 0000000188 |
| Instrument Date | Jun 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | BLYTHE TITLE AND ESCROW LLC, BLYTHE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 113 COMMONWEALTH AVE ERLANGER KY 410181743, ERLANGER, KY 41018-1743 |
| Document Number | 0000000188 |
|---|---|
| Date | Jul 29, 2020 |
| Book Page | 000M75/000607 |
| Instrument | 188 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 28, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 113 COMMONWEALTH AVE, ERLANGER, KY 41018-1743 |
| Document Number | 0000000082 |
| Instrument Date | Jun 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 113 COMMONWEALTH AVE ERLANGER KY 410181743, ERLANGER, KY 41018-1743 |
| Document Number | 0000000082 |
|---|---|
| Date | Aug 4, 2020 |
| Book Page | 000M78/000027 |
| Instrument | 82 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 3, 2045 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 113 Commonwealth Ave was $2,882.
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 | $218,500 (-) Land $25,000 Building $193,500 | $218,500 (-) Land $25,000 Building $193,500 | |
| 2025 | $2,882.00 | $218,500 Land $25,000 Building $193,500 | $218,500 Land $25,000 Building $193,500 |
| 2023 | $2,838.00 | $218,500 Land $25,000 Building $193,500 | $218,500 Land $25,000 Building $193,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 113 Commonwealth Ave 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 113 Commonwealth Ave 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 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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