Kenton County property record for 439 Commonwealth Ave, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,560 sqft · built 1920 |
| Lot Size | 0.402 acres (17,528 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $189,500 (Oct 2020) |
| Tax Bill | $3,124 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-09-009.00 |
| Primary APN | 003-30-09-009.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,560 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Combination |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 17,528 sqft (0.402 acres) |
| Lot Dimensions | 205 ft deep x 85.5 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 439 COMMONWEALTH AVE |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 85 1/2X205FT SWS COMMONWEALTH 461.08' N HULBERT |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 64300 |
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 | 439 COMMONWEALTH AVE, ERLANGER, KY 41018-1425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2020 | Warranty Deed, Transfer · Conventional with PMI HEARTLAND BK |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional with PMI HEARTLAND BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2020 · Amount on Record |
| Deed Sale | Oct 5, 2020 · Amount on Record |
| Prior Sale | Sep 11, 1995 · Amount on Record |
| Deed Document Number | 20205900014 |
| Deed Book / Page | 47 / 73 |
| Prior Transfer Date | Jul 29, 2004 |
| Prior Transfer Doc | 0803059002 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 5, 2020 |
| Property Address | 439 COMMONWEALTH AVE, ERLANGER, KY 41018-1425 |
| Document Number | 0000000014 |
| Book / Page | 000047 / 000073 |
| Instrument Date | Sep 28, 2020 |
| Instrument | 14 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2020 |
| Title Company | HOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGCY LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 439 COMMONWEALTH AVE ERLANGER KY 410181425, ERLANGER, KY 41018-1425 |
| Document Number | M1060543 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | 00M106/000543 |
| Name | HEARTLAND BK |
|---|---|
| Type | Bank |
| Address | WHITEHALL, OH 43213 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 4, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 439 COMMONWEALTH AVE, ERLANGER, KY 41018-1425 |
| Document Number | 00M1060543 |
| Instrument Date | Sep 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 439 COMMONWEALTH AVE ERLANGER KY 410181425, ERLANGER, KY 41018-1425 |
| Document Number | 00M1060543 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | 00M106/000543 |
| Name | HEARTLAND BK |
|---|---|
| Type | Bank |
| Address | WHITEHALL, OH 43213 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 4, 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 | $236,900 (-) Land $25,000 Building $211,900 | $236,900 (-) Land $25,000 Building $211,900 | |
| 2025 | $3,124.00 (+1.53%) | $236,900 (-) Land $25,000 Building $211,900 | $236,900 (-) Land $25,000 Building $211,900 |
| 2023 | $3,077.00 | $236,900 Land $25,000 Building $211,900 | $236,900 Land $25,000 Building $211,900 |
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 98% of the US · lower than 98.2% 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 470 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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