3544 Concord Dr, Erlanger, KY 41018 Property Records

Kenton County property record for 3544 Concord Dr, Erlanger, KY 41018

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,703 sqft · built 1963
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$222,500 (Dec 2023)
Tax Bill	$2,934 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-213.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-213.00`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,703 sqft Finished Area
Gross Area	2,023 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3544 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 29
Legal Subdivision	LEXINGTON ESTATES
Legal Phase	1
Legal Lot Number	29
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65600

Owner

3544 Concord Dr is owned and occupied by an individual who bought it in December 2023.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	3544 CONCORD DR, ERLANGER, KY 41018-2571
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP
Dec 19, 2023	Special Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Jul 5, 2022	Commissioner's Deed, Foreclosure
Apr 29, 2020	Warranty Deed, Transfer · Conventional with PMI CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2023 · Amount on File
Deed Sale	Dec 19, 2023 · Amount on File
Prior Sale	Jul 5, 2022 · Amount on File
Deed Document Number	2023140
Deed Book / Page	262 / 153
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3544 CONCORD DR, ERLANGER, KY 41018-2571
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3544 CONCORD DR, ERLANGER, KY 41018-2571
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900046
Date	Oct 3, 2025
Book Page	KCM 692/859
Instrument	25100305900046

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

December 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 19, 2023
Property Address	3544 CONCORD DR, ERLANGER, KY 41018-2571
Document Number	0005900140
Book / Page	KC 262 / 153
Map Reference	PL 803
Instrument Date	Nov 29, 2023
Instrument	23121905900140
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3544 CONCORD DR, ERLANGER, KY 41018-2571
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900141
Date	Dec 19, 2023
Instrument	23121905900141

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

July 2022: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	KENTON KY
Recording Date	Jul 5, 2022
Property Address	3544 CONCORD DR, ERLANGER, KY 41018-2571
Document Number	0005900209
Book / Page	174 / 807
Map Reference	PL 803
Instrument Date	Jun 7, 2022
Instrument	22070505900209
Transaction Type	Foreclosure
Record Updated	Jan 5, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 MADISON AVE FL 8, 8, COVINGTON, KY 41011-1541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5600 GRANITE PKWY # VII, VII, PLANO, TX 75024-4177

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 29, 2020
Property Address	3544 CONCORD DR, ERLANGER, KY 41018-2571
Document Number	0000000093
Book / Page	000018 / 000844
Instrument Date	Mar 27, 2020
Instrument	93
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	BRB TRUST TITLE AGENCY, BRB TR TITLE AGCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$182.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3544 CONCORD DR ERLANGER KY 410182571, ERLANGER, KY 41018-2571

Mortgage

Document Number	380339
Date	Apr 29, 2020
Book Page	000038/000339

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2050

Mortgage

Document Number	380356,
Date	Apr 29, 2020
Book Page	000038/000356

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount on Record
Term	120 Months
Due	Apr 28, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 3544 Concord Dr was $2,934.

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		$222,500 (-) Land $25,000 Building $197,500	$222,500 (-) Land $25,000 Building $197,500
2025	$2,934.00	$222,500 Land $25,000 Building $197,500	$222,500 Land $25,000 Building $197,500
2023	$2,530.00	$194,800 Land $25,000 Building $169,800	$194,800 Land $25,000 Building $169,800

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

Flood

FEMA maps place 3544 Concord Dr 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

Wildfire risk around 3544 Concord Dr 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	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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