3609 Concord Dr, Erlanger, KY 41018 Property Records

Kenton County property record for 3609 Concord Dr, Erlanger, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 999 sqft · built 1972
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Dec 2023)
Tax Bill	$2,967 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-264.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-264.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	999 sqft Finished Area
Gross Area	1,255 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	115 ft deep x 60 ft wide
Garage Type	Basement
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	3609 CONCORD DR
City	ERLANGER
State	KY
Zip	41018-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEXINGTON EST SEC 5 LOT 159
Legal Subdivision	LEXINGTON ESTATES
Legal Phase	5
Legal Lot Number	159
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3006
Census Tract	65600

Owner

3609 Concord Dr is owned and occupied by two individuals who bought it in December 2023.

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 File
Mailing Address	3609 CONCORD DR, ERLANGER, KY 41018-2505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Warranty Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC
Oct 18, 2021	Quit Claim Deed, Transfer · Commercial Mortgage VELOCITY COMMERCIAL CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2023 · Amount on File
Deed Sale	Dec 18, 2023 · Amount on File
Prior Sale	Nov 22, 2016 · Amount on File
Deed Document Number	2023152
Deed Book / Page	261 / 896
Prior Transfer Date	Oct 7, 2021
Prior Transfer Doc	0005900304
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 18, 2023
Property Address	3609 CONCORD DR, ERLANGER, KY 41018-2505
Document Number	0005900152
Book / Page	KC 261 / 896
Map Reference	PL 907
Instrument Date	Dec 14, 2023
Instrument	23121805900152
Transaction Type	Transfer
Record Updated	Jan 12, 2024

Transaction

Amount	Amount 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	19 BIVOUAC AVE, FORT THOMAS, KY 41075-2202

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3609 CONCORD DR, ERLANGER, KY 41018-2505

Mortgage

Document Number	0005900153
Date	Dec 18, 2023
Instrument	23121805900153

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Mortgage

Document Number	0005900154
Date	Dec 18, 2023
Book Page	KCM 514/796
Instrument	23121805900154

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2034

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Oct 18, 2021
Property Address	3609 CONCORD DR, ERLANGER, KY 41018-2505
Document Number	0005900304
Book / Page	124 / 565
Map Reference	PL 907
Instrument Date	Oct 7, 2021
Instrument	21101805900304
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19 BIVOUAC AVE, FORT THOMAS, KY 41075-2202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 BIVOUAC AVE, FORT THOMAS, KY 41075-2202

Mortgage

Document Number	0005900305
Date	Oct 18, 2021
Book Page	286/720
Instrument	21101805900305

Lender

Name	VELOCITY COMMERCIAL CAPITAL LLC
Type	Non-Lending Institution
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3609 Concord Dr was $2,967.

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		$225,000 (-) Land $25,000 Building $200,000	$225,000 (-) Land $25,000 Building $200,000
2025	$2,967.00	$225,000 Land $25,000 Building $200,000	$225,000 Land $25,000 Building $200,000
2023	$2,114.00	$162,800 Land $25,000 Building $137,800	$162,800 Land $25,000 Building $137,800

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

Flood

FEMA maps place 3609 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 3609 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	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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