Kenton County property record for 3511 Thomas St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,386 sqft · built 1956 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $236,000 (Aug 2022) |
| Tax Bill | $3,112 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Dec 2020 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-11-002.00 |
| Primary APN | 015-20-11-002.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,386 sqft Finished Area |
| Gross Area | 1,911 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0152011002.00 |
|---|---|
| Street Address | 3511 THOMAS ST |
| City | ERLANGER |
| State | KY |
| Zip | 41018-2160 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUGAR GROVE BLK E PT LOTS 140-141-142 50'X 150' & ADJ 25'X 150' CLOSED THORNTON ST |
| Legal Subdivision | SUGAR GROVE OR STEVENSON |
| Legal Phase | 2E |
| Legal Block | E |
| Legal Lot Number | 140,14 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 65600 |
Source: Kenton County records, as of November 27, 2025
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 | 3511 THOMAS ST, ERLANGER, KY 41018-2160 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2022 | Deed, Transfer · Conventional Mortgage NAVY FCU |
| Dec 2, 2020 | Grant Deed, Transfer · Line of Credit REPUBLIC BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2022 · Amount on Record |
| Deed Sale | Aug 10, 2022 · Amount on Record |
| Prior Sale | Dec 2, 2020 · Amount on Record |
| Deed Document Number | 0000182310 |
| Deed Book / Page | 182 / 310 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 10, 2022 |
| Property Address | 3511 THOMAS ST, ERLANGER, KY 41018-2160 |
| Document Number | 0005900022 |
| Book / Page | 182 / 310 |
| Map Reference | PL 304&305 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 22081005900022 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| 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 | 7285 WIND BROOK DR, FLORENCE, KY 41042-8165 |
| Name | Verified Name |
|---|---|
| Address | 3511 THOMAS ST, ERLANGER, KY 41018-2160 |
| Document Number | 0005900023 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 22081005900023 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Aug 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 10.8% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 2, 2020 |
| Property Address | 3511 THOMAS ST, ERLANGER, KY 41018-2160 |
| Document Number | 0000000129 |
| Book / Page | 000058 / 000733 |
| Instrument Date | Dec 2, 2020 |
| Instrument | 129 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3511 THOMAS ST ERLANGER KY 410182160, ERLANGER, KY 41018-2160 |
| Document Number | 130 |
|---|---|
| Date | Dec 2, 2020 |
| Book Page | 00M134/000057 |
| Instrument | 130 |
| Name | REPUBLIC BK&TR |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 1, 2030 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $3,112.00 (+1.53%) | $236,000 (-) Land $25,000 Building $211,000 | $236,000 (-) Land $25,000 Building $211,000 |
| 2023 | $3,065.00 | $236,000 Land $25,000 Building $211,000 | $236,000 Land $25,000 Building $211,000 |
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 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 336 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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