3604 Concord Dr, Erlanger, KY 41018 Property Records

Kenton County property record for 3604 Concord Dr, Erlanger, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,365 sqft · built 1972
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Nov 2025)
Tax Bill	$1,734 (2025)
Deeds & Mortgages	May 2023 Line of Credit Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-252.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-252.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,365 sqft Finished Area
Gross Area	1,773 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3604 CONCORD DR
City	ERLANGER
State	KY
Zip	41018-2570
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEXINGTON EST SEC 4 LOT 88
Legal Subdivision	LEXINGTON ESTATES
Legal Phase	4
Legal Lot Number	88
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3604 CONCORD DR, ERLANGER, KY 41018-2570
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
May 9, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Nov 19, 2025	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Nov 22, 2023	Affidavit of Death of Joint Tenant, Transfer · FHA Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2025 · Amount on Record
Deed Sale	Nov 19, 2025 · Amount on Record
Prior Sale	Jul 30, 2025 · Amount on Record
Deed Document Number	2025111944
Deed Book / Page	375 / 776
Transfer Doc	0000000109
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3604 CONCORD DR, ERLANGER, KY 41018-2570
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900049
Date	May 9, 2023
Book Page	KCM 460/115
Instrument	23050905900049

Lender

Name	TRUIST BANK
Type	Bank
Address	WINSTON SALEM, NC 27101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 21, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 19, 2025
Property Address	3604 CONCORD DR, ERLANGER, KY 41018-2570
Document Number	0005900044
Book / Page	KC 375 / 776
Map Reference	MB 355 PG 22
Instrument Date	Nov 18, 2025
Instrument	25111905900044
Transaction Type	Transfer
Record Updated	Dec 5, 2025

Transaction

Amount	Amount Recorded
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	1585 MERCER RD, LEXINGTON, KY 40511-1261

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 CONCORD DR, ERLANGER, KY 41018-2570

Mortgage

Document Number	0005900045
Date	Nov 19, 2025
Instrument	25111905900045

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	KENTON KY
Recording Date	Nov 22, 2023
Property Address	3604 CONCORD DR, ERLANGER, KY 41018-2570
Document Number	0005900109
Book / Page	KC 258 / 357
Map Reference	PL 857
Instrument Date	Nov 17, 2023
Instrument	23112205900109
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900110
Date	Nov 22, 2023
Book Page	KCM 509/152
Instrument	23112205900110

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

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		$240,000 (+32.89%) Land $25,000 Building $215,000	$240,000 (+32.89%) Land $25,000 Building $215,000
2025	$1,734.00 (-0.52%) Homeowner's exemption	$180,600 (-) Land $25,000 Building $155,600	$180,600 (-) Land $25,000 Building $155,600
2023	$1,743.00 (+114.13%) Homeowner's exemption	$180,600 (+86.57%) Land $25,000 Building $155,600	$180,600 (+86.57%) Land $25,000 Building $155,600
2022	$814.00 Homeowner's exemption	$96,800 Land $20,000 Building $76,800	$96,800 Land $20,000 Building $76,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	None beyond ember reach

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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