3545 Concord Dr, Erlanger, KY 41018 Property Records

Kenton County property record for 3545 Concord Dr, Erlanger, KY 41018

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,645 sqft · built 1964
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Feb 2025)
Tax Bill	$2,785 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-215.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-215.00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,645 sqft Finished Area
Gross Area	2,095 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	3545 CONCORD DR
City	ERLANGER
State	KY
Zip	41018-2503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEXINGTON EST SEC 2 LOT 53
Legal Subdivision	LEXINGTON ESTATES
Legal Phase	2
Legal Lot Number	53
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3009
Census Tract	65600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3545 CONCORD DR, ERLANGER, KY 41018-2503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Dec 15, 2017	Grant Deed, Transfer POLARIS HM FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2025 · Amount on Record
Deed Sale	Feb 20, 2025 · Amount on Record
Prior Sale	Jul 15, 2022 · Amount on Record
Deed Document Number	202579
Deed Book / Page	330 / 31
Prior Transfer Date	Aug 17, 2005
Prior Transfer Doc	0005900144
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3545 CONCORD DR, ERLANGER, KY 41018-2503
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3545 CONCORD DR, ERLANGER, KY 41018-2503

Mortgage

Document Number	0000004626
Date	Mar 6, 2026
Book Page	396/682
Instrument	26059000004626

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3545 CONCORD DR, ERLANGER, KY 41018-2503
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900110
Date	Sep 20, 2021
Book Page	273/294
Instrument	21092005900110

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 15, 2017
Property Address	3545 CONCORD DR, ERLANGER, KY 41018-2503
Document Number	0000000159
Book / Page	0C6316 / 000267
Instrument Date	Nov 29, 2017
Instrument	159
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	PERFORMANCE TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3545 CONCORD DR ERLANGER KY 410182503, ERLANGER, KY 41018-2503

Mortgage

Document Number	160
Date	Dec 15, 2017
Book Page	0C6316/000271
Instrument	160

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	151 44TH ST SW, GRANDVILLE, MI 49418-3329

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2047

Mortgage

Document Number	161,
Date	Dec 15, 2017
Book Page	0C6316/000288
Instrument	161

Lender

Name	KENTUCKY HSNG

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Dec 14, 2027

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		$245,000 (+16%) Land $20,000 Building $225,000	$245,000 (+16%) Land $20,000 Building $225,000
2025	$2,785.00 (+1.53%)	$211,200 (-) Land $20,000 Building $191,200	$211,200 (-) Land $20,000 Building $191,200
2023	$2,743.00	$211,200 Land $20,000 Building $191,200	$211,200 Land $20,000 Building $191,200

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.

Nearby Properties on Concord Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures