Kenton County property record for 3520 Thomas St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,274 sqft · built 1954 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,810 (Sep 2013) |
| Tax Bill | $1,676 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-09-004.00 |
| Primary APN | 015-20-09-004.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,274 sqft Finished Area |
| Gross Area | 1,402 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 96 ft deep x 75 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3520 THOMAS ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-2161 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUGAR GROVE BLK C W 1/2 LOTS 153-154 |
| Legal Subdivision | SUGAR GROVE OR STEVENSON |
| Legal Phase | C |
| Legal Block | C |
| Legal Lot Number | 153,15 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 65600 |
3520 Thomas St is owned and occupied by an individual who acquired it in July 2025.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3520 THOMAS ST, ERLANGER, KY 41018-2161 |
| 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 29, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN MORTGAGE SERVICE CO |
| Sep 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2013 · Amount on File |
| Deed Sale | Sep 30, 2013 · Amount on File |
| Prior Sale | Dec 29, 2010 · Amount on File |
| Deed Document Number | 201309 30 059 00166 |
| Deed Book / Page | 5279 / 215 |
| Last Transfer Date | Jul 24, 2025 |
| Transfer Doc | 0005900040 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 29, 2021 |
| Property Address | 3520 THOMAS ST, ERLANGER, KY 41018-2161 |
| Document Number | 0005900237 |
| Book / Page | 139 / 470 |
| Map Reference | MB 484 PG 219 |
| Instrument Date | Nov 4, 2021 |
| Instrument | 21122905900237 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | SPRINGDALE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3520 THOMAS ST, ERLANGER, KY 41018-2161 |
| Document Number | 0005900238 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 319/390 |
| Instrument | 21122905900238 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3520 THOMAS ST, ERLANGER, KY 41018-2161 |
| Document Number | 0000000049 |
| Instrument Date | Sep 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3520 THOMAS ST ERLANGER KY 410182161, ERLANGER, KY 41018-2161 |
| Document Number | 0000000049 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | 00M127/000572 |
| Instrument | 49 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 16, 2045 |
The 2025 property tax bill for 3520 Thomas St was $1,676.
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 | $127,100 (-) Land $25,000 Building $102,100 | $127,100 (-) Land $25,000 Building $102,100 | |
| 2025 | $1,676.00 | $127,100 Land $25,000 Building $102,100 | $127,100 Land $25,000 Building $102,100 |
| 2023 | $1,651.00 | $127,100 Land $25,000 Building $102,100 | $127,100 Land $25,000 Building $102,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3520 Thomas St 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 3520 Thomas St is low, with less than 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 98% of the US · lower than 98.2% 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 558 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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