Kenton County property record for 204 Clay St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 812 sqft · built 1930 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $157,000 (Sep 2022) |
| Tax Bill | $2,070 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-10-03-024.00 |
| Primary APN | 015-10-03-024.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 812 sqft Finished Area |
| Gross Area | 1,256 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 177 ft deep x 50 ft wide |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 204 CLAY ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LONGMOOR PARK LOT B-19 |
| Legal Subdivision | LONGMOOR PARK SUB |
| Legal Lot Number | B19 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 64400 |
204 Clay St is owned and occupied by two individuals who bought it in September 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 204 CLAY ST, ERLANGER, KY 41018-1714 |
| 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 |
|---|---|
| Sep 8, 2022 | Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Sep 8, 2022 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2022 · Amount on File |
| Deed Sale | Sep 8, 2022 · Amount on File |
| Prior Sale | Aug 9, 2013 · Amount on File |
| Deed Document Number | 2022105 |
| Deed Book / Page | 188 / 854 |
| Prior Transfer Date | Apr 13, 2010 |
| Prior Transfer Doc | 0005900202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 204 CLAY ST, ERLANGER, KY 41018-1714 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 204 CLAY ST, ERLANGER, KY 41018-1714 |
| Document Number | 0005900107 |
|---|---|
| Date | Sep 8, 2022 |
| Book Page | 405/250 |
| Instrument | 22090805900107 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Oct 1, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 8, 2022 |
| Property Address | 204 CLAY ST, ERLANGER, KY 41018-1714 |
| Document Number | 0005900105 |
| Book / Page | 188 / 854 |
| Map Reference | PL 17 |
| Instrument Date | Sep 6, 2022 |
| Instrument | 22090805900105 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2022 |
| 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 | 3945 VISALIA RD, 3945, MORNING VIEW, KY 41063-8726 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 204 CLAY ST, ERLANGER, KY 41018-1714 |
| Document Number | 0005900106 |
|---|---|
| Date | Sep 8, 2022 |
| Book Page | 405/232 |
| Instrument | 22090805900106 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | BATAVIA, OH 45103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
The 2025 property tax bill for 204 Clay St was $2,070.
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 | $157,000 (-) Land $25,000 Building $132,000 | $157,000 (-) Land $25,000 Building $132,000 | |
| 2025 | $2,070.00 | $157,000 Land $25,000 Building $132,000 | $157,000 Land $25,000 Building $132,000 |
| 2023 | $2,039.00 | $157,000 Land $25,000 Building $132,000 | $157,000 Land $25,000 Building $132,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 204 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.
Wildfire risk around 204 Clay 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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