Kenton County property record for 20 Clay St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,446 sqft · built 1949 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Jan 2026) |
| Tax Bill | $658 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Jul 2025 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-10-04-012.00 |
| Primary APN | 015-10-04-012.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,446 sqft Finished Area |
| Gross Area | 1,800 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 20 CLAY ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERLANGER PROPER LOT 27 |
| Legal Subdivision | ERLANGER PROPER |
| Legal Lot Number | 27 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2011 |
| 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.
20 Clay St is owned and occupied by two individuals who bought it in January 2026.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 CLAY ST, ERLANGER, KY 41018-1710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Jan 7, 2026 | Warranty Deed, Transfer · Conventional Mortgage NFM LENDING |
| Jul 3, 2025 | Fiduciary Deed, Transfer · Construction Mortgage LOAN MOUNTAIN INVESTMENTS SUB-REIT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2026 · Amount on File |
| Deed Sale | Jan 7, 2026 · Amount on File |
| Prior Sale | Jul 3, 2025 · Amount on File |
| Deed Document Number | 20260107160 |
| Deed Book / Page | 383 / 687 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 7, 2026 |
| Property Address | 20 CLAY ST, ERLANGER, KY 41018-1710 |
| Document Number | 0000000160 |
| Book / Page | KC 383 / 687 |
| Map Reference | MB 47 PG 641 |
| Instrument Date | Dec 22, 2025 |
| Instrument | 26059000000160 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Title Company | UNKNOWN, NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 455 SPILLMAN DR, DRY RIDGE, KY 41035-7466 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 CLAY ST, ERLANGER, KY 41018-1710 |
| Document Number | 0000000161 |
|---|---|
| Date | Jan 7, 2026 |
| Instrument | 26059000000161 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 3, 2025 |
| Property Address | 20 CLAY ST, ERLANGER, KY 41018-1710 |
| Document Number | 0005900105 |
| Book / Page | KC 350 / 818 |
| Map Reference | MB 47 PG 641 |
| Instrument Date | Jun 20, 2025 |
| Instrument | 25070305900105 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 819 OVERBROOK RD, CHARLESTON, WV 25314-1805 |
| Name | Verified Name |
|---|---|
| Address | 455 SPILLMAN DR, DRY RIDGE, KY 41035-7466 |
| Document Number | 0005900106 |
|---|---|
| Date | Jul 3, 2025 |
| Instrument | 25070305900106 |
| Name | LOAN MOUNTAIN INVESTMENTS SUB-REIT |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 6 Months |
| Due | Jan 1, 2026 |
The 2025 property tax bill for 20 Clay St was $658 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 | $240,000 (+142.42%) Land $65,000 Building $175,000 | $240,000 (+142.42%) Land $65,000 Building $175,000 | |
| 2025 | $658.00 Homeowner's exemption | $99,000 Land $15,000 Building $84,000 | $99,000 Land $15,000 Building $84,000 |
| 2023 | $683.00 Homeowner's exemption | $99,000 Land $15,000 Building $84,000 | $99,000 Land $15,000 Building $84,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 20 Clay 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.
The area around 20 Clay St 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 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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