Kenton County property record for 402 James Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,188 sqft · built 1950 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $269,900 (Sep 2025) |
| Tax Bill | $2,605 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-12-049.00 |
| Primary APN | 003-40-12-049.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,188 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 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 | 402 JAMES AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1635 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MCALPIN ANNEX 2ND LOT 54 |
| Legal Subdivision | MCALPINS |
| Legal Phase | 2 |
| Legal Lot Number | 54 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 402 JAMES AVE, ERLANGER, KY 41018-1635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Jun 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE |
| Sep 11, 2025 | Warranty Deed, Transfer · Conventional Mortgage RIVER CITY MORTGAGE LLC |
| Oct 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HM MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2025 · Amount on Record |
| Deed Sale | Sep 11, 2025 · Amount on Record |
| Prior Sale | Oct 13, 2020 · Amount on Record |
| Deed Document Number | 202537 |
| Deed Book / Page | 362 / 535 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 24, 2026 |
| Property Address | 402 JAMES AVE, ERLANGER, KY 41018-1635 |
| Document Number | 0000013068 |
| Book / Page | 449 / 734 |
| Instrument Date | May 7, 2026 |
| Instrument | 202613068 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 402 JAMES AVE, ERLANGER, KY 41018-1635 |
| Document Number | 0000013068, |
|---|---|
| Date | Jun 24, 2026 |
| Book Page | 449/734 |
| Instrument | 202613068 |
| Name | RIVER CITY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 11, 2025 |
| Property Address | 402 JAMES AVE, ERLANGER, KY 41018-1635 |
| Document Number | 0005900037 |
| Book / Page | KC 362 / 535 |
| Map Reference | PL 570 |
| Instrument Date | Aug 8, 2025 |
| Instrument | 25091105900037 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY |
| 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 | 4115 FIG GROVE ST, HOUSTON, TX 77080-1177 |
| Name | Verified Name |
|---|---|
| Address | 402 JAMES AVE, ERLANGER, KY 41018-1635 |
| Document Number | 0005900083 |
|---|---|
| Date | Sep 11, 2025 |
| Instrument | 25091105900083 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 13, 2020 |
| Property Address | 402 JAMES AVE, ERLANGER, KY 41018-1635 |
| Document Number | 0000000208 |
| Book / Page | 000048 / 000945 |
| Instrument Date | Oct 12, 2020 |
| Instrument | 208 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $189.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 402 JAMES AVE ERLANGER KY 410181635, ERLANGER, KY 41018-1635 |
| Document Number | 209 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 00M111/000300 |
| Instrument | 209 |
| Name | PROSPERITY HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHANTILLY, VA 20151 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 12, 2050 |
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 | $269,900 (+36.66%) Land $25,000 Building $244,900 | $269,900 (+36.66%) Land $25,000 Building $244,900 | |
| 2025 | $2,605.00 (-1.18%) | $197,500 (-) Land $25,000 Building $172,500 | $197,500 (-) Land $25,000 Building $172,500 |
| 2024 | $2,636.00 (+2.77%) | $197,500 (-) Land $25,000 Building $172,500 | $197,500 (-) Land $25,000 Building $172,500 |
| 2023 | $2,565.00 | $197,500 Land $25,000 Building $172,500 | $197,500 Land $25,000 Building $172,500 |
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 96% of the US · lower than 96% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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.
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 470 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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