Kenton County property record for 3865 Narrows Rd, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,176 sqft · built 1978 |
| Lot Size | 2.8 acres (121,968 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Jul 1997) |
| Tax Bill | $1,684 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-30-00-006.00 |
| Primary APN | 017-30-00-006.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Units | 7 Units |
| Stories | 1 Story |
| Building Area | 1,176 sqft Finished Area |
| Gross Area | 1,776 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 121,968 sqft (2.8 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3865 NARROWS RD |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-3802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.8 ACS ON ES NARROWS RD NR DOMINEY |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 63608 |
3865 Narrows Rd is owned and occupied by an individual who bought it in July 1997.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3865 NARROWS RD, ERLANGER, KY 41018-3802 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 1997 · Amount on File |
| Deed Sale | Jul 3, 1997 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3865 NARROWS RD, ERLANGER, KY 41018-3802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3865 NARROWS RD, ERLANGER, KY 41018-3802 |
| Document Number | 0000002400 |
|---|---|
| Date | Feb 5, 2026 |
| Book Page | 731/937 |
| Instrument | 26059000002400 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jan 27, 2036 |
The 2025 property tax bill for 3865 Narrows Rd was $1,684.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Erlanger City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $170,000 (-) Land $35,000 Building $135,000 | $170,000 (-) Land $35,000 Building $135,000 | |
| 2025 | $1,684.00 | $170,000 Land $35,000 Building $135,000 | $170,000 Land $35,000 Building $135,000 |
| 2023 | $1,812.00 | $170,000 Land $35,000 Building $135,000 | $170,000 Land $35,000 Building $135,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3865 Narrows Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3865 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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