Kenton County property record for 423 James Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,470 sqft · built 1956 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,900 (Dec 2020) |
| Tax Bill | $2,334 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-09-008.00 |
| Primary APN | 003-40-09-008.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,470 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 423 JAMES AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1680 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MCALPIN ANNEX 3RD LOT 18 |
| Legal Subdivision | MCALPINS |
| Legal Phase | 3RD |
| Legal Lot Number | 18 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 64300 |
Source: Kenton County assessment roll, as of December 2, 2025
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 File |
|---|---|
| Mailing Address | 423 JAMES AVE, ERLANGER, KY 41018-1680 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · VA Mortgage SERVICELINK |
| Jan 5, 2023 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Dec 14, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC |
| Oct 16, 2017 | Grant Deed, Transfer · Conventional with PMI POLARIS HM FNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 14, 2020 · Amount on Record |
| Deed Sale | Dec 14, 2020 · Amount on Record |
| Prior Sale | Oct 16, 2017 · Amount on Record |
| Deed Document Number | 20205900100 |
| Deed Book / Page | 60 / 571 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 12, 2026 |
| Property Address | 423 JAMES AVE, ERLANGER, KY 41018-1680 |
| Document Number | 0000009818 |
| Book / Page | 429 / 906 |
| Instrument Date | May 1, 2026 |
| Instrument | 20269818 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Remainderman, 286 |
| Address | 423 JAMES AVE, ERLANGER, KY 41018-1680 |
| Document Number | 0000009818, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 429/906 |
| Instrument | 20269818 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 423 JAMES AVE, ERLANGER, KY 41018-1680 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 423 JAMES AVE, ERLANGER, KY 41018-1680 |
| Document Number | 0005900038 |
|---|---|
| Date | Jan 5, 2023 |
| Book Page | 432/601 |
| Instrument | 23010505900038 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 14, 2020 |
| Property Address | 423 JAMES AVE, ERLANGER, KY 41018-1680 |
| Document Number | 0000000100 |
| Book / Page | 000060 / 000571 |
| Instrument Date | Dec 11, 2020 |
| Instrument | 100 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2020 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $146.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 423 JAMES AVE ERLANGER KY 410181680, ERLANGER, KY 41018-1680 |
| Document Number | 101 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 00M139/000863 |
| Instrument | 101 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 13, 2050 |
| Document Number | 102, |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 00M139/000878 |
| Instrument | 102 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Dec 13, 2030 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 16, 2017 |
| Property Address | 423 JAMES AVE, ERLANGER, KY 41018-1680 |
| Document Number | 0000000174 |
| Book / Page | 0C6273 / 000001 |
| Instrument Date | Oct 5, 2017 |
| Instrument | 174 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | PERFORMANCE TITLE AGENCY, PERFORMANCE TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $107.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 423 JAMES AVE ERLANGER KY 410181680, ERLANGER, KY 41018-1680 |
| Document Number | 176 |
|---|---|
| Date | Oct 16, 2017 |
| Book Page | 0C6273/000005 |
| Instrument | 176 |
| Name | POLARIS HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | GRANDVILLE, MI 49418 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 15, 2047 |
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 |
|---|---|---|---|
| 2025 | $2,334.00 (+1.52%) | $177,000 (-) Land $25,000 Building $152,000 | $177,000 (-) Land $25,000 Building $152,000 |
| 2023 | $2,299.00 | $177,000 Land $25,000 Building $152,000 | $177,000 Land $25,000 Building $152,000 |
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 96% of the US · lower than 96% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 470 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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