Kenton County property record for 409 Locust St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,036 sqft · built 1957 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Oct 2025) |
| Tax Bill | $2,539 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Nov 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-14-089.00 |
| Primary APN | 003-30-14-089.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,036 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 150 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 | 409 LOCUST ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEDINGER LOTS 77-78 |
| Legal Subdivision | BEDINGER J C |
| Legal Lot Number | 77-78 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3886 EAGLELEDGE CT, INDEPENDENCE, KY 41051-7457 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Oct 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage THE LOAN STORE INC |
| Nov 2, 2021 | Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK INC |
| Sep 3, 2021 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 2025 · Amount on Record |
| Deed Sale | Oct 10, 2025 · Amount on Record |
| Prior Sale | Nov 2, 2021 · Amount on Record |
| Deed Document Number | 2025101023 |
| Deed Book / Page | 367 / 573 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 409 LOCUST ST, ERLANGER, KY 41018-1423 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3886 EAGLELEDGE CT, INDEPENDENCE, KY 41051-7457 |
| Document Number | 0005900024 |
|---|---|
| Date | Oct 10, 2025 |
| Book Page | KCM 694/287 |
| Instrument | 25101005900024 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Address | TUCSON, AZ 85718 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 2, 2021 |
| Property Address | 409 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900034 |
| Book / Page | 128 / 218 |
| Map Reference | PL 15 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 21110205900034 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $192.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7928 EGLINGTON CT, 7928, ANDERSON, OH 45255-2414 |
| Name | Verified Name |
|---|---|
| Address | 409 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900035 |
|---|---|
| Date | Nov 2, 2021 |
| Instrument | 21110205900035 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 409 LOCUST ST, ERLANGER, KY 41018-1423 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 409 LOCUST ST, EDGEWOOD, KY 41018-1423 |
| Document Number | 0005900005 |
|---|---|
| Date | Sep 3, 2021 |
| Book Page | 267/453 |
| Instrument | 21090305900005 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 25, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 (+16.88%) Land $25,000 Building $200,000 | $225,000 (+16.88%) Land $25,000 Building $200,000 | |
| 2025 | $2,539.00 (+1.56%) | $192,500 (-) Land $25,000 Building $167,500 | $192,500 (-) Land $25,000 Building $167,500 |
| 2023 | $2,500.00 | $192,500 Land $25,000 Building $167,500 | $192,500 Land $25,000 Building $167,500 |
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures