Kenton County property record for 421 Locust St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,693 sqft · built 1959 |
| Lot Size | 0.17 acres (7,425 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Apr 2023) |
| Tax Bill | $3,099 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Apr 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-14-083.00 |
| Primary APN | 003-30-14-083.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,693 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 7,425 sqft (0.17 acres) |
| Lot Dimensions | 150 ft deep x 49.5 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 | 421 LOCUST ST |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ANNEKEN LOT 10 49.50X150 IRREG |
| Legal Subdivision | ANNEKEN JOHN B |
| Legal Lot Number | 10 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 421 LOCUST ST, ERLANGER, KY 41018-1423 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 25, 2023 | Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE INC |
| Apr 25, 2023 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Dec 27, 2022 | Warranty Deed, Transfer · Construction Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2023 · Amount on Record |
| Deed Sale | Apr 25, 2023 · Amount on Record |
| Prior Sale | Dec 27, 2022 · Amount on Record |
| Deed Document Number | 202339 |
| Deed Book / Page | 223 / 687 |
| Prior Transfer Date | Jul 8, 2009 |
| Prior Transfer Doc | 0005900153 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 421 LOCUST ST, ERLANGER, KY 41018-1423 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 421 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900041 |
|---|---|
| Date | Apr 25, 2023 |
| Book Page | KCM 456/104 |
| Instrument | 23042505900041 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 25, 2023 |
| Property Address | 421 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900039 |
| Book / Page | KC 223 / 687 |
| Map Reference | PL 450 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 23042505900039 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2023 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| 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 | 421 LOCUST ST, ERLANGER, KY 41018-1423 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 421 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900040 |
|---|---|
| Date | Apr 25, 2023 |
| Book Page | KCM 456/89 |
| Instrument | 23042505900040 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 27, 2022 |
| Property Address | 421 LOCUST ST, ERLANGER, KY 41018-1423 |
| Document Number | 0005900021 |
| Book / Page | 206 / 788 |
| Map Reference | PL 450 |
| Instrument Date | Dec 22, 2022 |
| Instrument | 22122705900021 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1480 BENNETT RD, WILLIAMSTOWN, KY 41097-5057 |
| Name | Verified Name |
|---|---|
| Address | 2308 WICKET CT, FLORENCE, KY 41042-7843 |
| Document Number | 0005900022 |
|---|---|
| Date | Dec 27, 2022 |
| Book Page | 430/592 |
| Instrument | 22122705900022 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Jan 1, 2024 |
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 | $235,000 (-) Land $25,000 Building $210,000 | $235,000 (-) Land $25,000 Building $210,000 | |
| 2025 | $3,099.00 (+27.22%) | $235,000 (+25.27%) Land $25,000 Building $210,000 | $235,000 (+25.27%) Land $25,000 Building $210,000 |
| 2023 | $2,436.00 | $187,600 Land $25,000 Building $162,600 | $187,600 Land $25,000 Building $162,600 |
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 |
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