Kenton County property record for 445 Division St, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,160 sqft · built 1956 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,000 (Nov 2020) |
| Tax Bill | $2,721 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-30-14-032.00 |
| Primary APN | 003-30-14-032.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,160 sqft Finished Area |
| Year Built | Built 1956 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 165 ft deep x 54 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0033014032.00 |
|---|---|
| Street Address | 445 DIVISION ST |
| City | ERLANGER |
| State | KY |
| Zip | 41018-1461 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HUSERS LOT 3 |
| Legal Subdivision | HUSERS |
| Legal Lot Number | 3 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 64400 |
Source: Kenton County records, as of November 27, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 445 DIVISION ST, ERLANGER, KY 41018-1461 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 21, 2023 | Intrafamily Transfer, Transfer · Line of Credit 1ST NATIONAL BANK |
| Nov 6, 2020 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2020 · Amount on Record |
| Deed Sale | Nov 6, 2020 · Amount on Record |
| Prior Sale | Nov 6, 2020 · Amount on Record |
| Deed Document Number | 0000000162 |
| Deed Book / Page | 000053 / 000899 |
| Last Transfer Date | Mar 21, 2023 |
| Transfer Doc | 0005900211 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 21, 2023 |
| Property Address | 445 DIVISION ST, ERLANGER, KY 41018-1461 |
| Document Number | 0005900211 |
| Book / Page | KC 218 / 845 |
| Map Reference | PL 657 |
| Instrument Date | Feb 23, 2023 |
| Instrument | 23032105900211 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | PRIORITY NATIONAL TITLE SERVICES, PRIORITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 445 DIVISION ST, ERLANGER, KY 41018-1461 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 445 DIVISION ST, ERLANGER, KY 41018-1461 |
| Document Number | 0005900212 |
|---|---|
| Date | Mar 21, 2023 |
| Book Page | KCM 447/973 |
| Instrument | 23032105900212 |
| Name | 1ST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | LEBANON, OH 45036 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 6, 2020 |
| Property Address | 445 DIVISION ST, ERLANGER, KY 41018-1461 |
| Document Number | 0000000162 |
| Book / Page | 000053 / 000899 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 162 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 DIVISION ST ERLANGER KY 410181461, ERLANGER, KY 41018-1461 |
| Document Number | 163 |
|---|---|
| Date | Nov 6, 2020 |
| Book Page | 00M122/000312 |
| Instrument | 163 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 5, 2050 |
Source: Kenton County assessment roll, as of April 1, 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 | $2,721.00 (+1.57%) | $206,300 (-) Land $25,000 Building $181,300 | $206,300 (-) Land $25,000 Building $181,300 |
| 2023 | $2,679.00 | $206,300 Land $25,000 Building $181,300 | $206,300 Land $25,000 Building $181,300 |
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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 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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