Kenton County property record for 207 Clay St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,098 sqft · built 1949 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (Dec 2022) |
| Tax Bill | $2,263 (2025) |
| Deeds & Mortgages | Apr 2025 Mortgage Dec 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-10-02-007.00 |
| Primary APN | 015-10-02-007.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,098 sqft Finished Area |
| Gross Area | 1,314 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 207 CLAY ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LONGMOOR PARK LOT B-4 |
| Legal Subdivision | LONGMOOR PARK SUB |
| Legal Lot Number | B4 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 64400 |
Source: Kenton County records · APN 015-10-02-007.00
Assessment roll updated December 2, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 207 CLAY ST, ERLANGER, KY 41018-1713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 04, 2025 | Deed of Trust, Mortgage · FHA Mortgage BETTER MORTGAGE CORPORATION |
| Dec 21, 2022 | Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Dec 21, 2022 | Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC |
| Sep 20, 2018 | Warranty Deed, Transfer · FHA Mortgage POLARIS HM FNDG |
| Apr 21, 2017 | Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 21, 2022 · Amount on Record |
| Deed Sale | Dec 21, 2022 · Amount on Record |
| Prior Sale | Apr 21, 2017 · Amount on Record |
| Deed Document Number | 202250 |
| Deed Book / Page | 206 / 301 |
| Prior Transfer Date | Dec 20, 2022 |
| Prior Transfer Doc | 0005900050 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 207 CLAY ST, ERLANGER, KY 41018-1713 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 207 CLAY ST, ERLANGER, KY 41018-1713 |
| Document Number | 0005900004 |
|---|---|
| Date | Apr 04, 2025 |
| Book Page | KCM 638/1 |
| Instrument | 25040405900004 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 207 CLAY ST, ERLANGER, KY 41018-1713 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Name | Verified Name |
|---|---|
| Address | 207 CLAY ST, ERLANGER, KY 41018-1713 |
| Document Number | 0005900052 |
|---|---|
| Date | Dec 21, 2022 |
| Book Page | 429/965 |
| Instrument | 22122105900052 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 01, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 21, 2022 |
| Property Address | 207 CLAY ST, ERLANGER, KY 41018-1713 |
| Document Number | 0005900050 |
| Book / Page | 206 / 301 |
| Map Reference | MB 142 PG 168 |
| Instrument Date | Dec 20, 2022 |
| Instrument | 22122105900050 |
| Transaction Type | Transfer |
| Record Updated | Dec 03, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 207 CLAY ST, ERLANGER, KY 41018-1713 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 207 CLAY ST, ELSMERE, KY 41018-1713 |
| Document Number | 0005900051 |
|---|---|
| Date | Dec 21, 2022 |
| Instrument | 22122105900051 |
| Name | SUCCESS MORTGAGE PARTNERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Document Number | 0005900052 |
|---|---|
| Date | Dec 21, 2022 |
| Book Page | 429/965 |
| Instrument | 22122105900052 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 01, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 20, 2018 |
| Property Address | 207 CLAY ST, ERLANGER, KY 41018-1713 |
| Document Number | 0000000110 |
| Book / Page | 0C6505 / 000300 |
| Instrument Date | Sep 17, 2018 |
| Instrument | 110 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 207 CLAY ST ERLANGER KY 410181713, ERLANGER, KY 41018-1713 |
| Document Number | 111 |
|---|---|
| Date | Sep 20, 2018 |
| Book Page | 0C6505/000303 |
| Instrument | 111 |
| Name | POLARIS HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | GRANDVILLE, MI 49418 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 19, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 21, 2017 |
| Property Address | 207 CLAY ST, ERLANGER, KY 41018-1713 |
| Document Number | 0000000201 |
| Book / Page | 0C6142 / 000007 |
| Instrument Date | Apr 10, 2017 |
| Instrument | 201 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2017 |
| Title Company | BRB TRUST TITLE AGENCY, BRB TR TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $116.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 207 CLAY ST ERLANGER KY 410181713, ERLANGER, KY 41018-1713 |
| Document Number | 202 |
|---|---|
| Date | Apr 21, 2017 |
| Book Page | 0C6142/000011 |
| Instrument | 202 |
| Name | NATIONS RELIABLE LNDG |
|---|---|
| Address | HOUSTON, TX 77098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 20, 2047 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Erlanger City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,263.00 (+1.53%) | $171,600 (-) Land $25,000 Building $146,600 | $171,600 (-) Land $25,000 Building $146,600 |
| 2023 | $2,229.00 | $171,600 Land $25,000 Building $146,600 | $171,600 Land $25,000 Building $146,600 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 479 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system KY0590220, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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