Kenton County property record for 413 Locust St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 954 sqft · built 2023 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Company Name on File |
| Last Sale | $12,500 (May 2022) |
| Tax Bill | $3,825 (2025) |
| Deeds & Mortgages | Feb 2024 Sale Oct 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-14-087.00 |
| Primary APN | 003-30-14-087.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 954 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 413 LOCUST ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEDINGER LOTS 81-82 |
| Legal Subdivision | BEDINGER J C |
| Legal Lot Number | 81-82 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 64400 |
413 Locust St is owned by a company that acquired it in October 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1530 AMSTERDAM RD, FT WRIGHT, KY 41011-1900 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Feb 12, 2024 | Deed, Transfer |
| Oct 18, 2023 | Deed of Trust, Mortgage · Commercial Mortgage GUARDIAN SAVINGS BANK |
| Nov 1, 2022 | Quit Claim Deed, Transfer Quitclaim |
| May 25, 2022 | Deed, Transfer KENTUCKY LAND TITLE AGENCY |
| Aug 24, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Aug 24, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 25, 2022 · Amount on File |
| Deed Sale | May 25, 2022 · Amount on File |
| Prior Sale | Oct 1, 2014 · Amount on File |
| Deed Document Number | 202244 |
| Deed Book / Page | 167 / 88 |
| Last Transfer Date | Oct 31, 2022 |
| Transfer Doc | 0005900181 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 12, 2024 |
| Property Address | 413 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900096 |
| Book / Page | KC 269 / 547 |
| Map Reference | SL A-735 |
| Instrument Date | Feb 9, 2024 |
| Instrument | 24021205900096 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1530 AMSTERDAM RD, FT WRIGHT, KY 41011-1900 |
| Name | Verified Name |
|---|---|
| Address | 1530 AMSTERDAM RD, FT WRIGHT, KY 41011-1900 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 413 LOCUST ST, ERLANGER, KY 41018-1423 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|
| Document Number | 0005900027 |
|---|---|
| Date | Oct 18, 2023 |
| Book Page | KCM 500/611 |
| Instrument | 23101805900027 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 1, 2022 |
| Property Address | 413 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900181 |
| Book / Page | 198 / 374 |
| Map Reference | PL 295 |
| Instrument Date | Oct 31, 2022 |
| Instrument | 22110105900181 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1530 AMSTERDAM RD, FT WRIGHT, KY 41011-1900 |
| Name | Verified Name |
|---|---|
| Address | 1530 AMSTERDAM RD, FT WRIGHT, KY 41011-1900 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 25, 2022 |
| Property Address | 413 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900044 |
| Book / Page | 167 / 88 |
| Map Reference | MB 76 PG 641 |
| Instrument Date | May 19, 2022 |
| Instrument | 22052505900044 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $12.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 AQUA WAY APT 227, 227, NEWPORT, KY 41071-2553 |
| Name | Verified Name |
|---|---|
| Address | 1530 AMSTERDAM RD, FT WRIGHT, KY 41011-1900 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 24, 2017 |
| Property Address | 413 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0000000123 |
| Book / Page | 0C6232 / 000220 |
| Instrument Date | Aug 16, 2017 |
| Instrument | 123 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 901 SQUIRE HILL CT CRESCENT SPRINGS KY 410171336, CRESCENT SPRINGS, KY 41017-1336 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 24, 2017 |
| Property Address | 413 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0000000154 |
| Book / Page | 0C6232 / 000223 |
| Instrument Date | Aug 16, 2017 |
| Instrument | 154 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 901 SQUIRE HILL CT CRESCENT SPRINGS KY 410171336, CRESCENT SPRINGS, KY 41017-1336 |
The 2025 property tax bill for 413 Locust St was $3,825.
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 | $290,000 (-) Land $25,000 Building $265,000 | $290,000 (-) Land $25,000 Building $265,000 | |
| 2025 | $3,825.00 | $290,000 Land $25,000 Building $265,000 | $290,000 Land $25,000 Building $265,000 |
| 2023 | $324.00 (+125%) | $25,000 (+15%) Land $25,000 | $25,000 (+15%) Land $25,000 |
| 2022 | $144.00 | $10,000 Land $10,000 | $10,000 Land $10,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 413 Locust St 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 413 Locust St 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 | 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 |
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