Kenton County property record for 208 Locust St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,705 sqft · built 1925 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,000 (Oct 2022) |
| Tax Bill | $2,703 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-21-019.00 |
| Primary APN | 015-20-21-019.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,705 sqft Finished Area |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 150 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 | 208 LOCUST ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEDINGER LOTS 87-88 |
| Legal Subdivision | BEDINGER J C |
| Legal Lot Number | 87-88 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2022 |
| 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 | 208 LOCUST ST, ERLANGER, KY 41018-1736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jun 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Oct 31, 2022 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 31, 2018 | Warranty Deed, Transfer · Conventional with PMI US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2022 · Amount on Record |
| Deed Sale | Oct 31, 2022 · Amount on Record |
| Prior Sale | Aug 31, 2018 · Amount on Record |
| Deed Document Number | 202292 |
| Deed Book / Page | 197 / 761 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 208 LOCUST ST, ERLANGER, KY 41018-1736 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 208 LOCUST ST, ELSMERE, KY 41018-1736 |
| Document Number | 0005900231 |
|---|---|
| Date | Sep 1, 2021 |
| Book Page | 266/314 |
| Instrument | 21090105900231 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 208 LOCUST ST, ERLANGER, KY 41018-1736 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Title Company | HIGH STREET TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0005900110 |
|---|---|
| Date | Jun 9, 2021 |
| Book Page | 228/677 |
| Instrument | 21060905900110 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 31, 2022 |
| Property Address | 208 LOCUST ST, ERLANGER, KY 41018-1736 |
| Document Number | 0005900092 |
| Book / Page | KC 197 / 761 |
| Map Reference | MB 76 PG 641 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 22103105900092 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 809 CHIPPEWA ST, ASHLAND, KY 41102-4311 |
| Name | Verified Name |
|---|---|
| Address | 208 LOCUST ST, ERLANGER, KY 41018-1736 |
| Document Number | 0005900093 |
|---|---|
| Date | Oct 31, 2022 |
| Instrument | 22103105900093 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 31, 2018 |
| Property Address | 208 LOCUST ST, ERLANGER, KY 41018-1736 |
| Document Number | 0000000091 |
| Book / Page | 0C6491 / 000229 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 91 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $132.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 208 LOCUST ST ERLANGER KY 410181736, ERLANGER, KY 41018-1736 |
| Document Number | 92 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 0C6491/000232 |
| Instrument | 92 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 30, 2048 |
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 | $205,000 (-) Land $25,000 Building $180,000 | $205,000 (-) Land $25,000 Building $180,000 | |
| 2025 | $2,703.00 (+1.54%) | $205,000 (-) Land $25,000 Building $180,000 | $205,000 (-) Land $25,000 Building $180,000 |
| 2023 | $2,662.00 | $205,000 Land $25,000 Building $180,000 | $205,000 Land $25,000 Building $180,000 |
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 | 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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