Kenton County property record for 412 Clay St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,124 sqft · built 1961 |
| Lot Size | 0.174 acres (7,615 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $176,000 (Aug 2021) |
| Tax Bill | $2,321 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-17-051.00 |
| Primary APN | 003-30-17-051.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,124 sqft Finished Area |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,615 sqft (0.174 acres) |
| Lot Dimensions | 152 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 | 412 CLAY ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1466 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PHEASANT GROVE BLK 8 LOT 3 50'X 152.3' IRREG |
| Legal Subdivision | PHEASANT GROVE |
| Legal Phase | 8 |
| Legal Block | 8 |
| Legal Lot Number | 3 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2021 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 412 CLAY ST, ERLANGER, KY 41018-1466 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage AMERICAN MORTGAGE SERVICE CO |
| Aug 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| May 5, 2021 | Deed, Transfer · Commercial Mortgage LENDINGHOME FUNDING CORP |
| Jun 20, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2021 · Amount on Record |
| Deed Sale | Aug 26, 2021 · Amount on Record |
| Prior Sale | May 5, 2021 · Amount on Record |
| Deed Document Number | 20215900198 |
| Deed Book / Page | 113 / 775 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 412 CLAY ST, ERLANGER, KY 41018-1466 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 412 CLAY ST, ERLANGER, KY 41018-1466 |
| Document Number | 0005900200 |
|---|---|
| Date | Aug 26, 2021 |
| Book Page | 262/960 |
| Instrument | 21082605900200 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 26, 2021 |
| Property Address | 412 CLAY ST, ERLANGER, KY 41018-1466 |
| Document Number | 0005900198 |
| Book / Page | 113 / 775 |
| Map Reference | PL 486 |
| Instrument Date | Aug 16, 2021 |
| Instrument | 21082605900198 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $226.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4101 TATES CREEK CENTRE DR # DR150-29, 4101, LEXINGTON, KY 40517-3066 |
| Name | Verified Name |
|---|---|
| Address | 412 CLAY ST, ERLANGER, KY 41018-1466 |
| Document Number | 0005900199 |
|---|---|
| Date | Aug 26, 2021 |
| Book Page | 262/944 |
| Instrument | 21082605900199 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 5, 2021 |
| Property Address | 412 CLAY ST, ERLANGER, KY 41018-1466 |
| Document Number | 0005900036 |
| Book / Page | 88 / 412 |
| Map Reference | PL 486 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 21050505900036 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1210 BOB WHITE CT, 1210, EDGEWOOD, KY 41018-2603 |
| Name | Verified Name |
|---|---|
| Address | 2409 FIELDRUSH RD, LEXINGTON, KY 40511-9098 |
| Document Number | 0005900037 |
|---|---|
| Date | May 5, 2021 |
| Instrument | 21050505900037 |
| Name | LENDINGHOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 412 CLAY ST, ERLANGER, KY 41018-1466 |
| Document Number | 0000000031 |
| Instrument Date | Jun 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 412 CLAY ST ERLANGER KY 410181466, ERLANGER, KY 41018-1466 |
| Document Number | 0000000031 |
|---|---|
| Date | Jul 11, 2018 |
| Book Page | 0C6450/000112 |
| Instrument | 31 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | EDGEWOOD, KY 41017 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $176,000 (-) Land $25,000 Building $151,000 | $176,000 (-) Land $25,000 Building $151,000 | |
| 2025 | $2,321.00 (+1.53%) | $176,000 (-) Land $25,000 Building $151,000 | $176,000 (-) Land $25,000 Building $151,000 |
| 2023 | $2,286.00 | $176,000 Land $25,000 Building $151,000 | $176,000 Land $25,000 Building $151,000 |
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 | 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 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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