Kenton County property record for 403 Locust St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,350 sqft · built 1960 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Jan 2026) |
| Tax Bill | $2,070 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-14-092.00 |
| Primary APN | 003-30-14-092.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,350 sqft Finished Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 100 ft deep x 50 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 | 403 LOCUST ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEDINGER FRONT 2,3 LOTS 71-72 |
| Legal Subdivision | BEDINGER J C |
| Legal Lot Number | 71,72 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 64400 |
403 Locust St is owned and occupied by an individual who bought it in January 2026.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 403 LOCUST ST, ERLANGER, KY 41018-1423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
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 |
|---|---|
| Jan 7, 2026 | Deed, Transfer · VA Mortgage NAVY FCU |
| Jul 30, 2020 | Warranty Deed, Transfer · Conventional with PMI OTHER INSTITUTIONAL LENDERS |
| Jul 24, 2020 | Deed of Trust, Mortgage · Conventional with PMI OTHER INSTITUTIONAL LENDERS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 7, 2026 · Amount on File |
| Deed Sale | Jan 7, 2026 · Amount on File |
| Prior Sale | Jul 30, 2020 · Amount on File |
| Deed Document Number | 2026010782 |
| Deed Book / Page | 383 / 519 |
| Prior Transfer Date | Aug 8, 2011 |
| Prior Transfer Doc | 0005900172 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 7, 2026 |
| Property Address | 403 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0000000082 |
| Book / Page | KC 383 / 519 |
| Map Reference | MB 1113 PG 166 |
| Instrument Date | Dec 31, 2025 |
| Instrument | 26059000000082 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10553 ELDERBERRY LN, INDEPENDENCE, KY 41051-2003 |
| Name | Verified Name |
|---|---|
| Address | 403 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0000000083 |
|---|---|
| Date | Jan 7, 2026 |
| Instrument | 26059000000083 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 30, 2020 |
| Property Address | 403 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0000000252 |
| Book / Page | 000034 / 000564 |
| Instrument Date | Jul 24, 2020 |
| Instrument | 252 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $145.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 LOCUST ST ERLANGER KY 410181423, ERLANGER, KY 41018-1423 |
| Document Number | 760167 |
|---|---|
| Date | Jul 30, 2020 |
| Book Page | 000076/000167 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45247 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 403 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0000760167 |
| Instrument Date | Jul 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 403 LOCUST ST ERLANGER KY 410181423, ERLANGER, KY 41018-1423 |
| Document Number | 0000760167 |
|---|---|
| Date | Jul 30, 2020 |
| Book Page | 000076/000167 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45247 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 29, 2050 |
The 2025 property tax bill for 403 Locust St was $2,070.
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 | $225,000 (+43.31%) Land $25,000 Building $200,000 | $225,000 (+43.31%) Land $25,000 Building $200,000 | |
| 2025 | $2,070.00 | $157,000 Land $25,000 Building $132,000 | $157,000 Land $25,000 Building $132,000 |
| 2023 | $2,039.00 | $157,000 Land $25,000 Building $132,000 | $157,000 Land $25,000 Building $132,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Locust St 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 403 Locust St 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 98% of the US · lower than 98.2% 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 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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