Kenton County property record for 3905 Lloyd Ave, Erlanger, KY 41018
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 2,277 sqft · built 1964 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Jan 2021) |
| Tax Bill | $3,227 (2025) |
| Deeds & Mortgages | Jan 2021 Sale Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-12-004.00 |
| Primary APN | 003-40-12-004.00 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,277 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Duplex Single |
| Exterior Material | Stone |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 149 ft deep x 125 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3905 LLOYD AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1637 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | LLOYD MANOR SEC 4 LOTS 74-75 |
| Legal Subdivision | LLOYD MANOR |
| Legal Phase | 4 |
| Legal Lot Number | 74-75 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 64300 |
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 | 3905 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 4, 2021 | Warranty Deed, Transfer NOT AVAILABLE |
| Sep 29, 2017 | Warranty Deed, Transfer · Conventional Mortgage UNION SVGS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2021 · Amount on File |
| Deed Sale | Jan 4, 2021 · Amount on File |
| Prior Sale | Sep 29, 2017 · Amount on File |
| Deed Document Number | 20215900189 |
| Deed Book / Page | 63 / 834 |
| Prior Transfer Date | Sep 25, 2017 |
| Prior Transfer Doc | 0000000075 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 4, 2021 |
| Property Address | 3905 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Document Number | 0000000189 |
| Book / Page | 000063 / 000834 |
| Instrument Date | Dec 14, 2020 |
| Instrument | 189 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2021 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $235.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3905 LLOYD AVE ERLANGER KY 410181637, ERLANGER, KY 41018-1637 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 29, 2017 |
| Property Address | 3905 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Document Number | 0000000075 |
| Book / Page | 0C6260 / 000176 |
| Instrument Date | Sep 25, 2017 |
| Instrument | 75 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $189.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8534 E KEMPER RD CINCINNATI OH 452493701, CINCINNATI, OH 45249-3701 |
| Document Number | 76 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 0C6260/000178 |
| Instrument | 76 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 28, 2047 |
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 | $293,800 (-) Land $30,000 Building $263,800 | $293,800 (-) Land $30,000 Building $263,800 | |
| 2025 | $3,227.00 (-15.44%) Homeowner's exemption | $293,800 (-) Land $30,000 Building $263,800 | $293,800 (-) Land $30,000 Building $263,800 |
| 2023 | $3,816.00 | $293,800 Land $30,000 Building $263,800 | $293,800 Land $30,000 Building $263,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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