Kenton County property record for 20 Locust St, Erlanger, KY 41018
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 1,160 sqft · built 1965 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $137,000 (Sep 2019) |
| Tax Bill | $2,638 (2025) |
| Deeds & Mortgages | Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-23-015.00 |
| Primary APN | 015-20-23-015.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 1,160 sqft Finished Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 20 LOCUST ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1732 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | ERLANGER PROPER LOT 99 |
| Legal Subdivision | ERLANGER PROPER |
| Legal Lot Number | 99 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2029 |
| 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.
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 5 DARTMOUTH DR, FT MITCHELL, KY 41017-2806 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2019 · Amount on Record |
| Deed Sale | Sep 11, 2019 · Amount on Record |
| Prior Sale | Jun 2, 2003 · Amount on Record |
| Deed Document Number | 201909 11 059 00058 |
| Deed Book / Page | 6749 / 318 |
| Prior Transfer Date | Apr 30, 2010 |
| Prior Transfer Doc | 0005900114 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 11, 2019 |
| Property Address | 20 LOCUST ST, ERLANGER, KY 41018-1732 |
| Document Number | 0000000058 |
| Book / Page | 0C6749 / 000318 |
| Instrument Date | Aug 28, 2019 |
| Instrument | 58 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2019 |
| Title Company | AMERICAN HOMELAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $137.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1384 FAY RD #B LOVELAND OH 451409473, B, LOVELAND, OH 45140-9473 |
| Document Number | 60 |
|---|---|
| Date | Sep 11, 2019 |
| Book Page | 0C6749/000322 |
| Instrument | 60 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 10, 2049 |
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 | $200,000 (-) Land $25,000 Building $175,000 | $200,000 (-) Land $25,000 Building $175,000 | |
| 2025 | $2,638.00 (+1.54%) | $200,000 (-) Land $25,000 Building $175,000 | $200,000 (-) Land $25,000 Building $175,000 |
| 2023 | $2,598.00 | $200,000 Land $25,000 Building $175,000 | $200,000 Land $25,000 Building $175,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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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