Kenton County property record for 117 Commonwealth Ave, Erlanger, KY 41018
| Property Type | Other Improved |
|---|---|
| Details | 2 bd · 1 ba · 1,090 sqft |
| Lot Size | 0.012 acres (525 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $37,000 (Aug 2015) |
| Tax Bill | $164 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Nov 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-34-007.00 |
| Primary APN | 003-40-34-007.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,090 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Roof Material | Composition Shingle |
|---|---|
| Lot Area | 525 sqft (0.012 acres) |
| Lot Dimensions | 175 ft deep x 3 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Street Address | 117 COMMONWEALTH AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1743 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | ERLANGER PROPER RESUB OF LOT 187 LOT 48 33 1,3'X 175' 300' S ELM ST ES COMMONWEALTYH |
| Legal Subdivision | ERLANGER RE SUBD |
| Legal Lot Number | 48 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 64300 |
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 | 113 COMMONWEALTH AVE, ERLANGER, KY 41018-1743 |
| Owner Type | Individual |
| 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 |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2015 · Amount on Record |
| Deed Sale | Aug 31, 2015 · Amount on Record |
| Prior Sale | Oct 2, 2012 |
| Deed Document Number | 201508 31 059 00346 |
| Deed Book / Page | 5725 / 113 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 19, 2026 |
| Property Address | 117 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 Recorded |
| 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 | 117 COMMONWEALTH AVE, ERLANGER, KY 41018-1743 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| 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 Recorded |
| Term | 119 Months |
| Due | Oct 25, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $12,500 (-) Land $12,500 | $12,500 (-) Land $12,500 | |
| 2025 | $164.00 (+1.23%) | $12,500 (-) Land $12,500 | $12,500 (-) Land $12,500 |
| 2023 | $162.00 | $12,500 Land $12,500 | $12,500 Land $12,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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