Kenton County property record for 3157 Hulbert Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,580 sqft · built 1942 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,767 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Oct 2018 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-10-11-007.00 |
| Primary APN | 015-10-11-007.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,580 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 19,166 sqft (0.44 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3157 HULBERT AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1333 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOSEY E 100' LOT 29 & W 10' LOT 28 |
| Legal Subdivision | LOSEY |
| Legal Lot Number | 28,29 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 64400 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3157 HULBERT AVE, ERLANGER, KY 41018-1333 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2025 | Deed of Trust, Mortgage · Line of Credit HERITAGE BANK INC |
| Oct 18, 2018 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK |
| Dec 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK |
| Mar 31, 2017 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/NTHRN KY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 11, 2016 |
| Transfer Doc | 0005900240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3157 HULBERT AVE, ERLANGER, KY 41018-1333 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3157 HULBERT AVE, ERLANGER, KY 41018-1333 |
| Document Number | 0005900161 |
|---|---|
| Date | Dec 8, 2025 |
| Book Page | KCM 714/746 |
| Instrument | 25120805900161 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | ERLANGER, KY 41018 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 25, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3157 HULBERT AVE, ERLANGER, KY 41018-1333 |
| Document Number | 0000000124 |
| Instrument Date | Oct 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 3157 HULBERT AVE ERLANGER KY 410181333, ERLANGER, KY 41018-1333 |
| Document Number | 0000000124 |
|---|---|
| Date | Dec 5, 2018 |
| Book Page | 0C6557/000296 |
| Instrument | 124 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 4, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3157 HULBERT AVE, ERLANGER, KY 41018-1333 |
| Document Number | 0000000132 |
| Instrument Date | Dec 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3157 HULBERT AVE ERLANGER KY 410181333, ERLANGER, KY 41018-1333 |
| Document Number | 0000000132 |
|---|---|
| Date | Jan 17, 2018 |
| Book Page | 0C6335/000237 |
| Instrument | 132 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 16, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3157 HULBERT AVE, ERLANGER, KY 41018-1333 |
| Document Number | 0000000119 |
| Book / Page | 0C6141 / 000030 |
| Instrument Date | Mar 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 3157 HULBERT AVE ERLANGER KY 410181333, ERLANGER, KY 41018-1333 |
| Document Number | 0000000119 |
|---|---|
| Date | Apr 20, 2017 |
| Book Page | 0C6141/000030 |
| Instrument | 119 |
| Name | FIFTH THIRD BK/NTHRN KY |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 19, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $209,800 (-) Land $30,000 Building $179,800 | $209,800 (-) Land $30,000 Building $179,800 | |
| 2025 | $2,767.00 (+1.54%) | $209,800 (-) Land $30,000 Building $179,800 | $209,800 (-) Land $30,000 Building $179,800 |
| 2023 | $2,725.00 | $209,800 Land $30,000 Building $179,800 | $209,800 Land $30,000 Building $179,800 |
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 94% of the US · lower than 95% 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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