Kenton County property record for 438 Commonwealth Ave, Erlanger, KY 41018 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,125 sqft · built 1922 |
| Lot Size | 0.172 acres (7,480 sqft) |
| Owner | Company Name on File |
| Last Sale | $230,000 (Aug 2023) |
| Tax Bill | $3,033 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-12-028.00 |
| Primary APN | 003-30-12-028.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,125 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,480 sqft (0.172 acres) |
| Lot Dimensions | 170 ft deep x 44 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 438 COMMONWEALTH AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAIRD W E LOT 2 44'X 170' ES COMMONWEALTH 575' S BAKER |
| Legal Subdivision | BAIRD W E |
| Legal Lot Number | 2 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 64400 |
Source: Kenton County records · APN 003-30-12-028.00
Assessment roll updated December 2, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 438 COMMONWEALTH AVE, ERLANGER, KY 41018-1426 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Aug 04, 2023 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jun 30, 2021 | Warranty Deed, Transfer · FHA Mortgage UNION SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 04, 2023 · Amount on Record |
| Deed Sale | Aug 04, 2023 · Amount on Record |
| Prior Sale | Jun 30, 2021 · Amount on Record |
| Deed Document Number | 202336 |
| Deed Book / Page | 239 / 812 |
| Prior Transfer Date | May 22, 2015 |
| Prior Transfer Doc | 0000000169 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 04, 2023 |
| Property Address | 438 COMMONWEALTH AVE, ERLANGER, KY 41018-1426 |
| Document Number | 0005900036 |
| Book / Page | KC 239 / 812 |
| Instrument Date | Jun 24, 2023 |
| Instrument | 23080405900036 |
| Transaction Type | Transfer |
| Record Updated | Jan 05, 2024 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 829 W CEXTON AVE, DANVILLE, KY 40422 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 438 COMMONWEALTH AVE, ERLANGER, KY 41018-1426 |
| Document Number | 0005900037 |
|---|---|
| Date | Aug 04, 2023 |
| Instrument | 23080405900037 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 30, 2021 |
| Property Address | 438 COMMONWEALTH AVE, ERLANGER, KY 41018-1426 |
| Document Number | 0005900003 |
| Book / Page | 100 / 874 |
| Instrument Date | Jun 24, 2021 |
| Instrument | 21063005900003 |
| Transaction Type | Transfer |
| Record Updated | Jan 05, 2024 |
| Title Company | PROMINENT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 813 JOHNSTOWN CT, UNION, KY 41091-7173 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 813 JOHNSTOWN CT, UNION, KY 41091-7173 |
| Document Number | 0005900027 |
|---|---|
| Date | Jul 02, 2021 |
| Book Page | 237/921 |
| Instrument | 21070205900027 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Erlanger City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,033.00 (+21.32%) | $230,000 (+19.48%) Land $25,000 Building $205,000 | $230,000 (+19.48%) Land $25,000 Building $205,000 |
| 2023 | $2,500.00 (-10.17%) | $192,500 (-) Land $25,000 Building $167,500 | $192,500 (-) Land $25,000 Building $167,500 |
| 2022 | $2,783.00 | $192,500 Land $20,000 Building $172,500 | $192,500 Land $20,000 Building $172,500 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 470 locations within about half a mile of this property
| Provider | Technology | Download / Upload (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 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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