Kenton County property record for 409 Forest Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,404 sqft · built 1952 |
| Lot Size | 0.225 acres (9,802 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $169,900 (Oct 2020) |
| Tax Bill | $2,240 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-04-023.00 |
| Primary APN | 003-40-04-023.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,404 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 9,802 sqft |
| Lot Dimensions | 195 ft deep x 50 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0034004023.00 |
|---|---|
| Street Address | 409 FOREST AVE |
| City | ERLANGER |
| State | KY |
| Zip | 41018-1629 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FITZGERALD SEC 1 LOT 8 50.24'X 195.11' IRREG |
| Legal Subdivision | FITZGERALD |
| Legal Phase | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 64300 |
Source: Kenton County records, as of November 27, 2025
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 | 409 FOREST AVE, ERLANGER, KY 41018-1629 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2020 | Warranty Deed, Transfer · FHA Mortgage GUARDIAN SVGS BK |
| Oct 16, 2020 | Deed of Trust, Mortgage · FHA Mortgage GUARDIAN SVGS BK |
| Aug 20, 2018 | Quit Claim Deed, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2020 · Amount on Record |
| Deed Sale | Oct 28, 2020 · Amount on Record |
| Prior Sale | Feb 8, 2013 · Amount on Record |
| Deed Document Number | 0000005232 |
| Deed Book / Page | 52 / 32 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 28, 2020 |
| Property Address | 409 FOREST AVE, ERLANGER, KY 41018-1629 |
| Document Number | 0000000182 |
| Book / Page | 000052 / 000032 |
| Instrument Date | Oct 16, 2020 |
| Instrument | 182 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 FOREST AVE ERLANGER KY 410181629, ERLANGER, KY 41018-1629 |
| Document Number | 183 |
|---|---|
| Date | Oct 28, 2020 |
| Book Page | 00M117/000165 |
| Instrument | 183 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 27, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 409 FOREST AVE, ERLANGER, KY 41018-1629 |
| Document Number | 0000000183 |
| Instrument Date | Oct 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Name | Verified Name |
|---|---|
| Address | 409 FOREST AVE ERLANGER KY 410181629, ERLANGER, KY 41018-1629 |
| Document Number | 0000000183 |
|---|---|
| Date | Oct 28, 2020 |
| Book Page | 00M117/000165 |
| Instrument | 183 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 27, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 20, 2018 |
| Property Address | 409 FOREST AVE, ERLANGER, KY 41018-1629 |
| Document Number | 0000000331 |
| Book / Page | 0C6480 / 000156 |
| Instrument Date | Aug 12, 2018 |
| Instrument | 331 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 FOREST AVE ERLANGER KY 410181629, ERLANGER, KY 41018-1629 |
| Document Number | 332 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 0C6480/000159 |
| Instrument | 332 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 19, 2038 |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $2,240.00 (+1.5%) | $169,900 (-) Land $25,000 Building $144,900 | $169,900 (-) Land $25,000 Building $144,900 |
| 2023 | $2,207.00 | $169,900 Land $25,000 Building $144,900 | $169,900 Land $25,000 Building $144,900 |
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 95% 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 419 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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