Kenton County property record for 14 Clover Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,656 sqft · built 1955 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $198,000 (Mar 2021) |
| Tax Bill | $2,611 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-31-005.05 |
| Primary APN | 015-20-31-005.05 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,656 sqft Finished Area |
| Gross Area | 2,490 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 14 CLOVER AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GALE LOT 38 |
| Legal Subdivision | GALE E T |
| Legal Lot Number | 38 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 64500 |
14 Clover Ave is owned and occupied by two individuals who bought it in March 2021.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14 CLOVER AVE, ERLANGER, KY 41018-1825 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Government |
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 |
|---|---|
| Mar 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Aug 27, 2019 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2021 · Amount on File |
| Deed Sale | Mar 18, 2021 · Amount on File |
| Prior Sale | Aug 27, 2019 · Amount on File |
| Deed Document Number | 20215900144 |
| Deed Book / Page | 78 / 530 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 18, 2021 |
| Property Address | 14 CLOVER AVE, ERLANGER, KY 41018-1825 |
| Document Number | 0005900144 |
| Book / Page | 78 / 530 |
| Map Reference | PL 90 |
| Instrument Date | Mar 12, 2021 |
| Instrument | 21031805900144 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $198.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 14 CLOVER AVE, ERLANGER, KY 41018-1825 |
| Document Number | 0005900145 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 185/743 |
| Instrument | 21031805900145 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANTILLY, VA 20151 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 27, 2019 |
| Property Address | 14 CLOVER AVE, ERLANGER, KY 41018-1825 |
| Document Number | 0000000280 |
| Book / Page | 0C6739 / 000270 |
| Instrument Date | Aug 23, 2019 |
| Instrument | 280 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $145.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 CLOVER AVE ERLANGER KY 410181825, ERLANGER, KY 41018-1825 |
| Document Number | 284 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 0C6739/000273 |
| Instrument | 284 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 26, 2034 |
The 2025 property tax bill for 14 Clover Ave was $2,611.
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 | $198,000 (-) Land $25,000 Building $173,000 | $198,000 (-) Land $25,000 Building $173,000 | |
| 2025 | $2,611.00 | $198,000 Land $25,000 Building $173,000 | $198,000 Land $25,000 Building $173,000 |
| 2023 | $2,572.00 | $198,000 Land $25,000 Building $173,000 | $198,000 Land $25,000 Building $173,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 Clover Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2022 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 14 Clover Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 336 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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