3812 Narrows Rd, Erlanger, KY 41018 Property Records

Kenton County property record for 3812 Narrows Rd, Erlanger, KY 41018

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,474 sqft · built 1945
Lot Size	7.27 acres (316,681 sqft)
Owner	2 Individual Names on File
Tax Bill	$876 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2018 Mortgage
Flood Zone	Zone A (high risk)
APN	`016-40-00-010.00`

Property Details

APN / Parcel Number

Primary APN	`016-40-00-010.00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,474 sqft Finished Area
Gross Area	1,939 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	316,681 sqft (7.27 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3812 NARROWS RD
City	ERLANGER
State	KY
Zip	41018-2803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7.27 ACS ON NARROWS RD
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1003
Census Tract	63608

Owner

3812 Narrows Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	3812 NARROWS RD, ERLANGER, KY 41018-2803
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
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jun 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3812 NARROWS RD, ERLANGER, KY 41018-2803
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900186
Date	May 26, 2021
Book Page	220/686
Instrument	21052605900186

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3812 NARROWS RD, ERLANGER, KY 41018-2803
Document Number	0000000104
Instrument Date	Jun 29, 2018
Transaction Type	Mortgage
Record Updated	Jul 27, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3812 NARROWS RD ERLANGER KY 410182803, ERLANGER, KY 41018-2803

Mortgage

Document Number	0000000104
Date	Jul 9, 2018
Book Page	0C6448/000251
Instrument	104

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WINSTON-SALEM, NC 27101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3812 Narrows Rd was $876 with a homeowner's exemption.

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	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,500 (-) Land $50,000 Building $87,500	$137,500 (-) Land $50,000 Building $87,500
2025	$876.00 Homeowner's exemption	$137,500 Land $50,000 Building $87,500	$137,500 Land $50,000 Building $87,500
2023	$971.00 Homeowner's exemption	$137,500 Land $50,000 Building $87,500	$137,500 Land $50,000 Building $87,500

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

Flood

FEMA maps place 3812 Narrows Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3812 Narrows Rd 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 249 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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