Kenton County property record for 117 Locust St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 927 sqft · built 1930 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $25,000 (Sep 2023) |
| Tax Bill | $1,192 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Jan 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-20-008.00 |
| Primary APN | 015-20-20-008.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 927 sqft Finished Area |
| Gross Area | 1,122 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 112 ft deep x 50 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 117 LOCUST ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1733 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BALLARD LOT 3 & PT LOT 2 |
| Legal Subdivision | BALLARD SARAH |
| Legal Lot Number | 3,2 |
| 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.
117 Locust St is owned and occupied by an individual who bought it in September 2023.
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 | Individual Name on File |
|---|---|
| Mailing Address | 117 LOCUST ST, ERLANGER, KY 41018-1733 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2025 | Deed of Trust, Mortgage · Line of Credit HERITAGE BANK INC |
| Jan 2, 2024 | Deed of Trust, Mortgage · Line of Credit HERITAGE BANK INC |
| Sep 20, 2023 | Warranty Deed, Transfer NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 2023 · Amount on File |
| Deed Sale | Sep 20, 2023 · Amount on File |
| Prior Sale | Jun 9, 2004 · Amount on File |
| Deed Document Number | 202323 |
| Deed Book / Page | 247 / 461 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 117 LOCUST ST, ERLANGER, KY 41018-1733 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 117 LOCUST ST, ERLANGER, KY 41018-1733 |
| Document Number | 0005900004 |
|---|---|
| Date | Oct 30, 2025 |
| Book Page | KCM 701/804 |
| Instrument | 25103005900004 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | ERLANGER, KY 41018 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 25, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 117 LOCUST ST, ERLANGER, KY 41018-1733 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 117 LOCUST ST, ERLANGER, KY 41018-1733 |
| Document Number | 0005900060 |
|---|---|
| Date | Jan 2, 2024 |
| Book Page | KCM 517/775 |
| Instrument | 24010205900060 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | ERLANGER, KY 41018 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 118 Months |
| Due | Nov 25, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 20, 2023 |
| Property Address | 117 LOCUST ST, ERLANGER, KY 41018-1733 |
| Document Number | 0005900023 |
| Book / Page | KC 247 / 461 |
| Instrument Date | Sep 13, 2023 |
| Instrument | 23092005900023 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2336 SUNFLOWER CT, HEBRON, KY 41048-9116 |
| Name | Verified Name |
|---|---|
| Address | 117 LOCUST ST, ERLANGER, KY 41018-1733 |
The 2025 property tax bill for 117 Locust St was $1,192 with a homeowner's exemption.
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 | $139,500 (-) Land $25,000 Building $114,500 | $139,500 (-) Land $25,000 Building $114,500 | |
| 2025 | $1,192.00 Homeowner's exemption | $139,500 Land $25,000 Building $114,500 | $139,500 Land $25,000 Building $114,500 |
| 2023 | $1,812.00 (+52.01%) | $139,500 (+69.09%) Land $25,000 Building $114,500 | $139,500 (+69.09%) Land $25,000 Building $114,500 |
| 2022 | $1,192.00 | $82,500 Land $15,000 Building $67,500 | $82,500 Land $15,000 Building $67,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 117 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 117 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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