Kenton County property record for 3409 Talbot Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 840 sqft · built 1961 |
| Lot Size | 0.146 acres (6,350 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $124,900 (Dec 2020) |
| Tax Bill | $1,647 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-06-011.00 |
| Primary APN | 003-30-06-011.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 840 sqft Finished Area |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 6,350 sqft (0.146 acres) |
| Lot Dimensions | 127 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 | 3409 TALBOT AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIGGS FARM ADDN LOT 68 50'X 127' |
| Legal Subdivision | RIGGS FARM ADDN |
| Legal Lot Number | 68 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 64400 |
3409 Talbot Ave is owned and occupied by two individuals who bought it in December 2020.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3409 TALBOT AVE, ERLANGER, KY 41018-1315 |
| 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 |
|---|---|
| Dec 4, 2020 | Warranty Deed, Transfer · Conventional with PMI FIFTH THIRD BK NA |
| Jan 29, 2019 | Deed of Trust, Mortgage · Conventional with PMI CITIZENS FED'L S&L ASSN OF COV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2020 · Amount on File |
| Deed Sale | Dec 4, 2020 · Amount on File |
| Prior Sale | Feb 10, 2012 · Amount on File |
| Deed Document Number | 20205900228 |
| Deed Book / Page | 59 / 273 |
| Prior Transfer Date | Oct 22, 1999 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 4, 2020 |
| Property Address | 3409 TALBOT AVE, ERLANGER, KY 41018-1315 |
| Document Number | 0000000028 |
| Book / Page | 000059 / 000273 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 28 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2020 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3409 TALBOT AVE ERLANGER KY 410181315, ERLANGER, KY 41018-1315 |
| Document Number | 29 |
|---|---|
| Date | Dec 4, 2020 |
| Book Page | 00M136/000356 |
| Instrument | 29 |
| Name | FIFTH THIRD BK NA |
|---|---|
| Address | CINCINNATI, OH 45227 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 3, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3409 TALBOT AVE, ERLANGER, KY 41018-1315 |
| Document Number | 0000000150 |
| Instrument Date | Jan 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3409 TALBOT AVE ERLANGER KY 410181315, ERLANGER, KY 41018-1315 |
| Document Number | 0000000150 |
|---|---|
| Date | Feb 4, 2019 |
| Book Page | 0C6593/000140 |
| Instrument | 150 |
| Name | CITIZENS FED'L S&L ASSN OF COV |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 3, 2044 |
The 2025 property tax bill for 3409 Talbot Ave was $1,647.
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 | $124,900 (-) Land $25,000 Building $99,900 | $124,900 (-) Land $25,000 Building $99,900 | |
| 2025 | $1,647.00 | $124,900 Land $25,000 Building $99,900 | $124,900 Land $25,000 Building $99,900 |
| 2023 | $1,622.00 | $124,900 Land $25,000 Building $99,900 | $124,900 Land $25,000 Building $99,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3409 Talbot Ave 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 3409 Talbot Ave is low, with 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 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 210 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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