Kenton County property record for 3909 Lloyd Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,808 sqft · built 1963 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,000 (Dec 2021) |
| Tax Bill | $3,033 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Jul 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-12-003.00 |
| Primary APN | 003-40-12-003.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,808 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 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 | 3909 LLOYD AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LLOYD MANOR SEC 4 LOT 73 |
| Legal Subdivision | LLOYD MANOR |
| Legal Phase | 4 |
| Legal Lot Number | 73 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3909 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 6, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Jul 22, 2020 | Quit Claim Deed, Transfer · FHA Mortgage FREEDOM MTG |
| Mar 23, 2018 | Warranty Deed, Transfer · FHA Mortgage GUARDIAN SVGS BK |
| Oct 17, 2017 | Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2021 · Amount on Record |
| Deed Sale | Dec 6, 2021 · Amount on Record |
| Prior Sale | Mar 23, 2018 · Amount on Record |
| Deed Document Number | 2021144 |
| Deed Book / Page | 135 / 200 |
| Prior Transfer Date | Jul 14, 2020 |
| Prior Transfer Doc | 0000000034 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 6, 2021 |
| Property Address | 3909 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Document Number | 0005900144 |
| Book / Page | 135 / 200 |
| Map Reference | PL 758 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 21120605900144 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2021 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3004 MADONNA DR, 3004, EDGEWOOD, KY 41017-2621 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3909 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Document Number | 0005900145 |
|---|---|
| Date | Dec 6, 2021 |
| Instrument | 21120605900145 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 22, 2020 |
| Property Address | 3909 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Document Number | 0000000034 |
| Book / Page | 000032 / 000990 |
| Instrument Date | Jul 14, 2020 |
| Instrument | 34 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3909 LLOYD AVE ERLANGER KY 410181637, ERLANGER, KY 41018-1637 |
| Document Number | 35 |
|---|---|
| Date | Jul 22, 2020 |
| Book Page | 000M72/000284 |
| Instrument | 35 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jul 21, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 23, 2018 |
| Property Address | 3909 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Document Number | 0000000162 |
| Book / Page | 0C6376 / 000096 |
| Instrument Date | Mar 22, 2018 |
| Instrument | 162 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $168.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3909 LLOYD AVE ERLANGER KY 410181637, ERLANGER, KY 41018-1637 |
| Document Number | 164 |
|---|---|
| Date | Mar 23, 2018 |
| Book Page | 0C6376/000099 |
| Instrument | 164 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 22, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 17, 2017 |
| Property Address | 3909 LLOYD AVE, ERLANGER, KY 41018-1637 |
| Document Number | 0000000012 |
| Book / Page | 0C6273 / 000307 |
| Instrument Date | Oct 16, 2017 |
| Instrument | 12 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2017 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $90.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3909 LLOYD AVE ERLANGER KY 410181637, ERLANGER, KY 41018-1637 |
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 | $230,000 (-) Land $25,000 Building $205,000 | $230,000 (-) Land $25,000 Building $205,000 | |
| 2025 | $3,033.00 (+1.54%) | $230,000 (-) Land $25,000 Building $205,000 | $230,000 (-) Land $25,000 Building $205,000 |
| 2023 | $2,987.00 | $230,000 Land $25,000 Building $205,000 | $230,000 Land $25,000 Building $205,000 |
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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