Kenton County property record for 414 Clay St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,092 sqft · built 1968 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Mar 2020) |
| Tax Bill | $2,308 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Nov 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-17-049.00 |
| Primary APN | 003-30-17-049.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,092 sqft Finished Area |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 414 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 4 |
| Legal Subdivision | PHEASANT GROVE |
| Legal Phase | 8 |
| Legal Block | 8 |
| Legal Lot Number | 4 |
| 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 414 CLAY ST, ERLANGER, KY 41018-1466 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 24, 2025 | Deed of Trust, Mortgage · Commercial Mortgage ACC CAPITAL INC |
| Nov 17, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Mar 25, 2020 | Grant Deed, Transfer · Conventional with PMI AMERICAN MTG SVC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2020 · Amount on File |
| Deed Sale | Mar 25, 2020 · Amount on File |
| Prior Sale | Mar 15, 2002 · Amount on File |
| Deed Document Number | 20205900403 |
| Deed Book / Page | 14 / 174 |
| Prior Transfer Date | Mar 10, 2020 |
| Prior Transfer Doc | 0005900403 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 414 CLAY ST, ERLANGER, KY 41018-1466 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 414 CLAY ST, ERLANGER, KY 41018-1466 |
| Document Number | 0005900143 |
|---|---|
| Date | Dec 24, 2025 |
| Book Page | KCM 720/970 |
| Instrument | 25122405900143 |
| Name | ACC CAPITAL INC |
|---|---|
| Type | Non-Lending Institution |
| Address | LITTLE ROCK, AR 72201 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 12, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 414 CLAY ST, ERLANGER, KY 41018-1466 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 414 CLAY ST, ERLANGER, KY 41018-1466 |
| Document Number | 0005900188 |
|---|---|
| Date | Nov 17, 2022 |
| Book Page | 422/331 |
| Instrument | 22111705900188 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Aug 24, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 25, 2020 |
| Property Address | 414 CLAY ST, ERLANGER, KY 41018-1466 |
| Document Number | 0000000403 |
| Book / Page | 000014 / 000174 |
| Instrument Date | Mar 10, 2020 |
| Instrument | 403 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $145.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 414 CLAY ST ERLANGER KY 410181466, ERLANGER, KY 41018-1466 |
| Document Number | 404 |
|---|---|
| Date | Mar 25, 2020 |
| Book Page | 000025/000113 |
| Instrument | 404 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 24, 2050 |
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 | $175,000 (-) Land $25,000 Building $150,000 | $175,000 (-) Land $25,000 Building $150,000 | |
| 2025 | $2,308.00 (+1.54%) | $175,000 (-) Land $25,000 Building $150,000 | $175,000 (-) Land $25,000 Building $150,000 |
| 2023 | $2,273.00 | $175,000 Land $25,000 Building $150,000 | $175,000 Land $25,000 Building $150,000 |
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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