3532 Concord Dr, Erlanger, KY 41018 Property Records

Kenton County property record for 3532 Concord Dr, Erlanger, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,334 sqft · built 1964
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Feb 2026)
Tax Bill	$2,334 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Feb 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-199.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-199.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,334 sqft Finished Area
Gross Area	1,820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3532 CONCORD DR
City	ERLANGER
State	KY
Zip	41018-2571
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEXINGTON EST SEC 1 LOT 23
Legal Subdivision	LEXINGTON ESTATES
Legal Phase	1
Legal Lot Number	23
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65600

Owner

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	2 Individual Names on Record
Mailing Address	3532 CONCORD DR, ERLANGER, KY 41018-2571
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 2, 2026	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Oct 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HSNG
Oct 18, 2016	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAP & INVS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2026 · Amount on Record
Deed Sale	Feb 2, 2026 · Amount on Record
Prior Sale	Apr 25, 2013 · Amount on Record
Deed Document Number	20261958
Deed Book / Page	387 / 791
Prior Transfer Date	Mar 14, 2015
Prior Transfer Doc	0005900095
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3532 CONCORD DR, ERLANGER, KY 41018-2571
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3532 CONCORD DR, ERLANGER, KY 41018-2571

Mortgage

Document Number	0005900417
Date	Jul 26, 2023
Book Page	KCM 479/292
Instrument	23072605900417

Lender

Name	TRUIST BANK
Type	Bank
Address	WINSTON SALEM, NC 27101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 22, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 2, 2026
Property Address	3532 CONCORD DR, ERLANGER, KY 41018-2571
Document Number	0000001958
Book / Page	387 / 791
Instrument Date	Jan 23, 2026
Instrument	26059000001958
Transaction Type	Transfer
Record Updated	Feb 18, 2026
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8367 TAYVE RD, VEVAY, IN 47043

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3532 CONCORD DR, ERLANGER, KY 41018-2571

Mortgage

Document Number	0000001959
Date	Feb 2, 2026
Instrument	26059000001959

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Mortgage

Document Number	0000001960
Date	Feb 2, 2026
Book Page	729/745
Instrument	26059000001960

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2041

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3532 CONCORD DR, ERLANGER, KY 41018-2571
Document Number	0000000142
Book / Page	0C6288 / 000124
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3532 CONCORD DR ERLANGER KY 410182571, ERLANGER, KY 41018-2571

Mortgage

Document Number	0000000142
Date	Nov 6, 2017
Book Page	0C6288/000124
Instrument	142

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 5, 2022

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3532 CONCORD DR, ERLANGER, KY 41018-2571
Document Number	0000000199
Book / Page	0C6068 / 000022
Instrument Date	Oct 18, 2016
Transaction Type	Mortgage
Record Updated	May 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3532 CONCORD DR ERLANGER KY 410182571, ERLANGER, KY 41018-2571

Mortgage

Document Number	0000000199
Date	Jan 4, 2017
Book Page	0C6068/000022
Instrument	199

Lender

Name	VILLAGE CAP & INVS
Type	Funding / Finance Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2047

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Erlanger City
Unified School District	Erlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$177,000 (-) Land $25,000 Building $152,000	$177,000 (-) Land $25,000 Building $152,000
2025	$2,334.00 (+1.52%)	$177,000 (-) Land $25,000 Building $152,000	$177,000 (-) Land $25,000 Building $152,000
2023	$2,299.00	$177,000 Land $25,000 Building $152,000	$177,000 Land $25,000 Building $152,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 466 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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