Kenton County property record for 4120 Lloyd Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,236 sqft · built 1961 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,429 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jun 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-03-021.00 |
| Primary APN | 003-40-03-021.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,236 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| 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 | 4120 LLOYD AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOREST HEIGHTS SEC 4 PT LOT 13 |
| Legal Subdivision | FOREST HEIGHTS |
| Legal Phase | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 64300 |
4120 Lloyd Ave is owned and occupied by two individuals who acquired it in October 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4120 LLOYD AVE, ERLANGER, KY 41018-1508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 8, 2022 | Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Jun 8, 2022 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Nov 9, 2021 | Intrafamily Transfer, Transfer |
| Sep 27, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2024 |
| Deed Sale | Oct 2, 2024 |
| Prior Sale | Jun 8, 2022 · Amount on File |
| Deed Document Number | 2024121 |
| Deed Book / Page | 308 / 18 |
| Prior Transfer Date | Sep 16, 2024 |
| Prior Transfer Doc | 0005900121 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4120 LLOYD AVE, ERLANGER, KY 41018-1508 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4120 LLOYD AVE, ERLANGER, KY 41018-1508 |
| Document Number | 0005900157 |
|---|---|
| Date | Jun 8, 2022 |
| Book Page | 377/906 |
| Instrument | 22060805900157 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jul 1, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 8, 2022 |
| Property Address | 4120 LLOYD AVE, ERLANGER, KY 41018-1508 |
| Document Number | 0005900155 |
| Book / Page | 169 / 869 |
| Map Reference | PL 746 |
| Instrument Date | Jun 3, 2022 |
| Instrument | 22060805900155 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2022 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1505 BAILEY CT, 1505, UNION, KY 41091-7568 |
| Name | Verified Name |
|---|---|
| Address | 4120 LLOYD AVE, ERLANGER, KY 41018-1508 |
| Document Number | 0005900156 |
|---|---|
| Date | Jun 8, 2022 |
| Book Page | 377/891 |
| Instrument | 22060805900156 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 9, 2021 |
| Property Address | 4120 LLOYD AVE, ERLANGER, KY 41018-1508 |
| Document Number | 0005900272 |
| Book / Page | 130 / 177 |
| Map Reference | PL 746 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 21110905900272 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4120 LLOYD AVE, ERLANGER, KY 41018-1508 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 27, 2017 |
| Property Address | 4120 LLOYD AVE, ERLANGER, KY 41018-1508 |
| Document Number | 0000000161 |
| Book / Page | 0C6257 / 000059 |
| Instrument Date | Sep 21, 2017 |
| Instrument | 161 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 6755 BRONZE POST RD CENTREVILLE VA 201212189, CENTREVILLE, VA 20121-2189 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 4120 Lloyd Ave was $3,429.
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 | $260,000 (-) Land $25,000 Building $235,000 | $260,000 (-) Land $25,000 Building $235,000 | |
| 2025 | $3,429.00 | $260,000 Land $25,000 Building $235,000 | $260,000 Land $25,000 Building $235,000 |
| 2023 | $1,948.00 | $150,000 Land $25,000 Building $125,000 | $150,000 Land $25,000 Building $125,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4120 Lloyd Ave in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 4120 Lloyd Ave is low, with less than a 0.01% annual chance of wildfire.
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 | FLORENCE WATER & SEWER serves 29,351 people · EPA ID KY0080135 |
|---|---|
| Water Source | Purchased surface water from BOONE-FLORENCE WATER COMMISSION |
| Last State Inspection | Mar 2024 |
| Also Mapped Here | NORTHERN KENTUCKY WATER DISTRICT |
| Lead | Under 1 ppb (2021–2023) 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 281 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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