Kenton County property record for 415 Locust St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,064 sqft · built 1967 |
| Lot Size | 0.152 acres (6,622 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $274,500 (Oct 2026) |
| Tax Bill | $3,191 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Mar 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-14-086.00 |
| Primary APN | 003-30-14-086.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,064 sqft Finished Area |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,622 sqft (0.152 acres) |
| Lot Dimensions | 140 ft deep x 47.3 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 | 415 LOCUST ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ANNEKEN PT LOT 8 47.25X140' |
| Legal Subdivision | ANNEKEN JOHN B |
| Legal Lot Number | 8 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 64400 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 415 LOCUST ST, ERLANGER, KY 41018-1423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Oct 2, 2026 | Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE |
| Mar 9, 2023 | Warranty Deed, Transfer · Commercial Mortgage COMMERCIAL LENDER LLC |
| Feb 22, 2023 | Warranty Deed, Transfer · Commercial Mortgage COMMERCIAL LENDER LLC |
| Jun 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Feb 12, 2020 | Warranty Deed, Transfer LAWYERS TITLE/CINCINNATI INC |
| Dec 16, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2026 · Amount on Record |
| Deed Sale | Oct 2, 2026 · Amount on Record |
| Prior Sale | Jun 11, 2021 · Amount on Record |
| Deed Document Number | 202622503 |
| Deed Book / Page | 506 / 812 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 2, 2026 |
| Property Address | 415 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0000022503 |
| Book / Page | 506 / 812 |
| Instrument Date | Sep 29, 2026 |
| Instrument | 2026100222503 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2026 |
| Title Company | NORTHWEST AR TITLE, NORTHWEST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27,724.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 415 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0000022504, |
|---|---|
| Date | Oct 2, 2026 |
| Instrument | 2026100222504 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 9, 2023 |
| Property Address | 415 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900185 |
| Book / Page | KC 217 / 21 |
| Instrument Date | Mar 8, 2023 |
| Instrument | 23030905900185 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2023 |
| Title Company | NORTHWEST TTL FAM OF COMPANI |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 SHADOW WOOD CT, ALEXANDRIA, KY 41001-4316 |
| Name | Verified Name |
|---|---|
| Address | 3 SHADOW WOOD CT, ALEXANDRIA, KY 41001-4316 |
| Document Number | 0005900186 |
|---|---|
| Date | Mar 9, 2023 |
| Book Page | KCM 445/581 |
| Instrument | 23030905900186 |
| Name | COMMERCIAL LENDER LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | VERNON ROCKVILLE, CT 06066 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 22, 2023 |
| Property Address | 415 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900108 |
| Book / Page | KC 214 / 409 |
| Map Reference | PL 450 |
| Instrument Date | Feb 21, 2023 |
| Instrument | 23022205900108 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Title Company | NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 416 RUPP CT, WALTON, KY 41094-7850 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3 SHADOW WOOD CT, ALEXANDRIA, KY 41001-4316 |
| Document Number | 0005900186 |
|---|---|
| Date | Mar 9, 2023 |
| Book Page | KCM 445/581 |
| Instrument | 23030905900186 |
| Name | COMMERCIAL LENDER LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | VERNON ROCKVILLE, CT 06066 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 11, 2021 |
| Property Address | 415 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900043 |
| Book / Page | 97 / 402 |
| Map Reference | PL 450 |
| Instrument Date | Jun 8, 2021 |
| Instrument | 21061105900043 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1460 CAYTON RD, 1460, FLORENCE, KY 41042-9358 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 418 LOCUST ST, ERLANGER, KY 41018-1424 |
| Document Number | 0005900044 |
|---|---|
| Date | Jun 11, 2021 |
| Book Page | 229/876 |
| Instrument | 21061105900044 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 12, 2020 |
| Property Address | 415 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0000000011 |
| Book / Page | 000006 / 000866 |
| Instrument Date | Jan 28, 2020 |
| Instrument | 11 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2020 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $23.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1460 CAYTON RD FLORENCE KY 410429358, FLORENCE, KY 41042-9358 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 16, 2019 |
| Property Address | 415 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0000000198 |
| Book / Page | 0C6830 / 000304 |
| Instrument Date | Nov 27, 2019 |
| Instrument | 198 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $8.62 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1821 ALBANS RD HOUSTON TX 770051705, HOUSTON, TX 77005-1705 |
| Investor | Possibly a Property Investor |
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 | $242,000 (-) Land $25,000 Building $217,000 | $242,000 (-) Land $25,000 Building $217,000 | |
| 2025 | $3,191.00 (+22.83%) | $242,000 (+21%) Land $25,000 Building $217,000 | $242,000 (+21%) Land $25,000 Building $217,000 |
| 2023 | $2,598.00 | $200,000 Land $25,000 Building $175,000 | $200,000 Land $25,000 Building $175,000 |
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 | 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures