Kenton County property record for 3421 Talbot Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,245 sqft · built 1959 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Aug 2020) |
| Tax Bill | $2,143 (2025) |
| Deeds & Mortgages | Oct 2018 Sale & Line of Credit Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-06-005.00 |
| Primary APN | 003-30-06-005.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,245 sqft Finished Area |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3421 TALBOT AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIGGS FARM ADDN LOT 74 |
| Legal Subdivision | RIGGS FARM ADDN |
| Legal Lot Number | 74 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 64400 |
3421 Talbot Ave is owned and occupied by an individual who bought it in August 2020.
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 File |
|---|---|
| Mailing Address | 3421 TALBOT AVE, ERLANGER, KY 41018-1315 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2018 | Warranty Deed, Transfer · Line of Credit KENTUCKY HSNG |
| Aug 31, 2020 | Warranty Deed, Transfer · Conventional with PMI CINCINNATI FED'L |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 31, 2020 · Amount on File |
| Deed Sale | Aug 31, 2020 · Amount on File |
| Prior Sale | Oct 30, 2018 · Amount on File |
| Deed Document Number | 20205900016 |
| Deed Book / Page | 40 / 532 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 30, 2018 |
| Property Address | 3421 TALBOT AVE, ERLANGER, KY 41018-1315 |
| Document Number | 0000000070 |
| Book / Page | 0C6534 / 000099 |
| Instrument Date | Oct 29, 2018 |
| Instrument | 70 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $103.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3421 TALBOT AVE ERLANGER KY 410181315, ERLANGER, KY 41018-1315 |
| Document Number | 72 |
|---|---|
| Date | Oct 30, 2018 |
| Book Page | ORC653/000119 |
| Instrument | 72 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 29, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 12% |
| Document Number | 71, |
|---|---|
| Date | Oct 30, 2018 |
| Book Page | 006534/000102 |
| Instrument | 71 |
| Name | POLARIS HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | GRANDVILLE, MI 49418 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 29, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 31, 2020 |
| Property Address | 3421 TALBOT AVE, ERLANGER, KY 41018-1315 |
| Document Number | 0000000016 |
| Book / Page | 000040 / 000532 |
| Instrument Date | Oct 29, 2018 |
| Instrument | 16 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2020 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $130.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3421 TALBOT AVE ERLANGER KY 410181315, ERLANGER, KY 41018-1315 |
| Document Number | 17 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 000M90/000642 |
| Instrument | 17 |
| Name | CINCINNATI FED'L |
|---|---|
| Address | CINCINNATI, OH 45247 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 30, 2050 |
The 2025 property tax bill for 3421 Talbot Ave was $2,143.
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 | $162,500 (-) Land $25,000 Building $137,500 | $162,500 (-) Land $25,000 Building $137,500 | |
| 2025 | $2,143.00 | $162,500 Land $25,000 Building $137,500 | $162,500 Land $25,000 Building $137,500 |
| 2023 | $2,110.00 | $162,500 Land $25,000 Building $137,500 | $162,500 Land $25,000 Building $137,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3421 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 3421 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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