409 Stevenson Rd, Erlanger, KY 41018 Property Records

Kenton County property record for 409 Stevenson Rd, Erlanger, KY 41018 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1954
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Oct 2021)
Tax Bill	$2,847 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015-20-04-083.00`

Property Details

APN / Parcel Number

Primary APN	`015-20-04-083.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,080 sqft Finished Area
Gross Area	1,728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	34,848 sqft (0.8 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	409 STEVENSON RD
City	ERLANGER
State	KY
Zip	41018-2472
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHERN WOODS LOT 1 & PT LOTS 8-9
Legal Subdivision	SOUTHERN WOODS DEVELOP
Legal Phase	2
Legal Lot Number	8,1
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1004
Census Tract	65600

Owner

Source: Kenton County records · APN 015-20-04-083.00

Assessment roll updated December 2, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	409 STEVENSON RD, ERLANGER, KY 41018-2472
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 05, 2026	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Oct 05, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage GUARDIAN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 05, 2021 · Amount on Record
Deed Sale	Oct 05, 2021 · Amount on Record
Deed Document Number	20215900215
Deed Book / Page	121 / 830
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	May 05, 2026
Property Address	409 STEVENSON RD, ERLANGER, KY 41018-2472
Document Number	0000009092
Book / Page	424 / 676
Instrument Date	Apr 17, 2026
Instrument	20269092
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 STEVENSON RD, ERLANGER, KY 41018-2472

Mortgage

Document Number	0000009092,
Date	May 05, 2026
Book Page	424/676
Instrument	20269092

Lender

Name	GUARDIAN SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 16, 2036

Interest

Rate	6.22%
Max Rate	-1%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 05, 2021
Property Address	409 STEVENSON RD, ERLANGER, KY 41018-2472
Document Number	0005900215
Book / Page	121 / 830
Map Reference	PL 609-A
Instrument Date	Sep 28, 2021
Instrument	21100505900215
Transaction Type	Transfer
Record Updated	Jan 05, 2024
Title Company	PROMINENT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 STEVENSON RD, ELSMERE, KY 41018-2472

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	60 LOCUST AVE, LAKESIDE PARK, KY 41017-2143

Mortgage

Document Number	0005900004
Date	Oct 12, 2021
Book Page	283/259
Instrument	21101205900004

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2051

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Erlanger City
Unified School District	Erlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,847.00 (+0.28%) Homeowner's exemption	$265,000 (-) Land $25,000 Building $240,000	$265,000 (-) Land $25,000 Building $240,000
2023	$2,839.00 Homeowner's exemption	$265,000 Land $25,000 Building $240,000	$265,000 Land $25,000 Building $240,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 4% of the US · above 4% of Kentucky
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 558 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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