Kenton County property record for 128 Division St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,544 sqft · built 1915 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (May 2022) |
| Tax Bill | $2,769 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-10-12-030.00 |
| Primary APN | 015-10-12-030.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,544 sqft Finished Area |
| Gross Area | 1,914 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 155 ft deep x 60 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 | 128 DIVISION ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GAMMS PT LOT 1 RESUB LOT 1 LOSEY |
| Legal Subdivision | GAMMS |
| Legal Lot Number | 1 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 64400 |
128 Division St is owned and occupied by two individuals who bought it in May 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 128 DIVISION ST, ERLANGER, KY 41018-1723 |
| 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 2, 2022 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Sep 9, 2019 | Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MTG |
| Sep 7, 2017 | Warranty Deed, Transfer · FHA Mortgage VICTORY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2022 · Amount on File |
| Deed Sale | May 2, 2022 · Amount on File |
| Prior Sale | Sep 9, 2019 · Amount on File |
| Deed Document Number | 202219 |
| Deed Book / Page | 162 / 730 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 2, 2022 |
| Property Address | 128 DIVISION ST, ERLANGER, KY 41018-1723 |
| Document Number | 0005900019 |
| Book / Page | 162 / 730 |
| Map Reference | PL 574 |
| Instrument Date | Apr 28, 2022 |
| Instrument | 22050205900019 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 89 THOMPSON AVE, FORT MITCHELL, KY 41017-2730 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 128 DIVISION ST, ERLANGER, KY 41018-1723 |
| Document Number | 0005900020 |
|---|---|
| Date | May 2, 2022 |
| Book Page | 366/161 |
| Instrument | 22050205900020 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 9, 2019 |
| Property Address | 128 DIVISION ST, ERLANGER, KY 41018-1723 |
| Document Number | 0000000257 |
| Book / Page | 0C6748 / 000140 |
| Instrument Date | Sep 6, 2019 |
| Instrument | 257 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $167.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 128 DIVISION ST ERLANGER KY 410181723, ERLANGER, KY 41018-1723 |
| Document Number | 259 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 0C6748/000146 |
| Instrument | 259 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 8, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 7, 2017 |
| Property Address | 128 DIVISION ST, ERLANGER, KY 41018-1723 |
| Document Number | 0000000019 |
| Book / Page | 0C6242 / 000230 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 19 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2017 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 128 DIVISION ST ERLANGER KY 410181723, ERLANGER, KY 41018-1723 |
| Document Number | 21 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 006242/000233 |
| Instrument | 21 |
| Name | VICTORY MTG |
|---|---|
| Type | Mortgage Company |
| Address | FORT MITCHELL, KY 41017 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 6, 2047 |
The 2025 property tax bill for 128 Division St was $2,769.
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 | $210,000 (-) Land $25,000 Building $185,000 | $210,000 (-) Land $25,000 Building $185,000 | |
| 2025 | $2,769.00 | $210,000 Land $25,000 Building $185,000 | $210,000 Land $25,000 Building $185,000 |
| 2023 | $2,727.00 | $210,000 Land $25,000 Building $185,000 | $210,000 Land $25,000 Building $185,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 Division 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 128 Division 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 94% of the US · lower than 95% 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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