Kenton County property record for 3901 Lloyd Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,269 sqft · built 1966 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Sep 2017) |
| Tax Bill | $1,898 (2025) |
| Deeds & Mortgages | Feb 2019 Loan Modification Feb 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-12-005.00 |
| Primary APN | 003-40-12-005.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,269 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 140 ft deep x 60 ft wide |
| 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 | 3901 LLOYD AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LLOYD MANOR SEC 2 LOT 22 |
| Legal Subdivision | LLOYD MANOR |
| Legal Phase | 2 |
| Legal Lot Number | 22 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 64300 |
3901 Lloyd Ave is owned and occupied by two individuals who bought it in September 2017.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3901 LLOYD AVE, ERLANGER, KY 41018-1637 |
| 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.
| Date | Document |
|---|---|
| Feb 28, 2019 | Loan Modification, Mortgage · Conventional Mortgage KENTUCKY HSNG |
| Feb 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Sep 1, 2017 | Quit Claim Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Sep 1, 2017 | Grant Deed, Transfer · Conventional Mortgage KENTUCKY HSNG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2017 · Amount on File |
| Deed Sale | Sep 1, 2017 · Amount on File |
| Prior Sale | Dec 14, 1995 · Amount on File |
| Deed Document Number | 201709 01 059 00006 |
| Deed Book / Page | 6237 / 202 |
| Prior Transfer Date | Aug 8, 2017 |
| Prior Transfer Doc | 0000000004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3901 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Document Number | 0000000128 |
| Instrument Date | Feb 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 3901 LLOYD AVE ERLANGER KY 410181637, ERLANGER, KY 41018-1637 |
| Document Number | 0000000128 |
|---|---|
| Date | Mar 25, 2019 |
| Book Page | 0C6624/000088 |
| Instrument | 128 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 24, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3901 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Document Number | 0000000129 |
| Instrument Date | Feb 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2019 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 3901 LLOYD AVE ERLANGER KY 410181637, ERLANGER, KY 41018-1637 |
| Document Number | 0000000129 |
|---|---|
| Date | Mar 25, 2019 |
| Book Page | 0C6624/000092 |
| Instrument | 129 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 24, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 1, 2017 |
| Property Address | 3901 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Document Number | 0000000004 |
| Book / Page | 006237 / 000194 |
| Instrument Date | Aug 11, 2017 |
| Instrument | 4 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Tax | $20.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3901 LLOYD AVE ERLANGER KY 410181637, ERLANGER, KY 41018-1637 |
| Document Number | 7 |
|---|---|
| Date | Sep 1, 2017 |
| Book Page | 006237/000206 |
| Instrument | 7 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 31, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 1, 2017 |
| Property Address | 3901 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Document Number | 0000000006 |
| Book / Page | 0C6237 / 000202 |
| Instrument Date | Aug 10, 2017 |
| Instrument | 6 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2020 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $115.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3901 LLOYD AVE ERLANGER KY 410181637, ERLANGER, KY 41018-1637 |
| Document Number | 8 |
|---|---|
| Date | Sep 1, 2017 |
| Book Page | 0C6237/000220 |
| Instrument | 8 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 31, 2022 |
| Rate | 12% |
|---|
The 2025 property tax bill for 3901 Lloyd Ave was $1,898 with a homeowner's exemption.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Erlanger City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $193,000 (-) Land $25,000 Building $168,000 | $193,000 (-) Land $25,000 Building $168,000 | |
| 2025 | $1,898.00 Homeowner's exemption | $193,000 Land $25,000 Building $168,000 | $193,000 Land $25,000 Building $168,000 |
| 2023 | $1,904.00 Homeowner's exemption | $193,000 Land $25,000 Building $168,000 | $193,000 Land $25,000 Building $168,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3901 Lloyd Ave 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 risk around 3901 Lloyd Ave is low, with less than 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 99.1% of the US · lower than 99.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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.
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 281 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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