Kenton County property record for 404 Locust St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,218 sqft · built 1929 |
| Lot Size | 0.365 acres (15,913 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $245,000 (Jul 2025) |
| Tax Bill | $461 (2025) |
| Deeds & Mortgages | Jul 2025 Sale & Mortgage Sep 2021 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-14-066.01 |
| Primary APN | 003-30-14-066.01 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,218 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 15,913 sqft (0.365 acres) |
| Lot Dimensions | 167 ft deep x 95 ft wide |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 404 LOCUST ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JOYCE & ADAMS LOTS 7-8 & PT 4 95'X 167.50' IRREG |
| Legal Subdivision | JOYCE & ADAMS |
| Legal Lot Number | 8,4 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 64400 |
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 | 404 LOCUST ST, ERLANGER, KY 41018-1424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jul 7, 2025 | Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK |
| Sep 10, 2021 | Warranty Deed, Construction Loan · Construction Mortgage FLIP FUNDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2025 · Amount on Record |
| Deed Sale | Jul 7, 2025 · Amount on Record |
| Prior Sale | Apr 3, 2025 · Amount on Record |
| Deed Document Number | 202528 |
| Deed Book / Page | 350 / 891 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 7, 2025 |
| Property Address | 404 LOCUST ST, ERLANGER, KY 41018-1424 |
| Document Number | 0005900028 |
| Book / Page | KC 350 / 891 |
| Map Reference | MB 117 PG 172 |
| Instrument Date | Jul 1, 2025 |
| Instrument | 25070705900028 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | SPRINGDALE TITLE 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 | 56 ORPHANAGE RD, COVINGTON, KY 41017-3128 |
| Name | Verified Name |
|---|---|
| Address | 404 LOCUST ST, ERLANGER, KY 41018-1424 |
| Document Number | 0005900029 |
|---|---|
| Date | Jul 7, 2025 |
| Instrument | 25070705900029 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 10, 2021 |
| Property Address | 404 LOCUST ST, ERLANGER, KY 41018-1424 |
| Document Number | 0005900049 |
| Book / Page | 117 / 172 |
| Map Reference | PL 114 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 21091005900049 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $35.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 288 FOXHUNT DR, 288, WALTON, KY 41094-8387 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 405 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900050 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 21091005900050 |
| Name | FLIP FUNDING LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 1, 2022 |
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 | $245,000 (+6%) Land $25,000 Building $220,000 | $245,000 (+6%) Land $25,000 Building $220,000 | |
| 2025 | $461.00 (+1.54%) | $35,000 (-) Land $25,000 Building $10,000 | $35,000 (-) Land $25,000 Building $10,000 |
| 2023 | $454.00 | $35,000 Land $25,000 Building $10,000 | $35,000 Land $25,000 Building $10,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 94% of the US · lower than 95% 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 479 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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