Seller's Agent in 2025
Mike Spicer
Coldwell Banker Realty FM
(859) 250-6657
9 in this area
219 Total Sales
208 Clay St Erlanger, KY 41018
3
Beds
1.5
Baths
1,176
Sq Ft
8,850
Sq Ft Lot
Highlights
- Cape Cod Architecture
- No HOA
- Fireplace
- Wood Flooring
- 1 Car Detached Garage
- 3-minute walk to Silverlake Park
About This Home
As of October 2025Adorable cape cod in the middle of Erlanger. Updated kitchen, hardwoood floors, walkout basement sitting on a wonderful level rear yard. A very useful 1 car detached garage/workshop and plenty of off street parking on the long driveway.
Last Agent to Sell the Property
Coldwell Banker Realty FM License #210101 Listed on: 09/06/2025
Home Details
Home Type
- Single Family
Lot Details
- 8,850 Sq Ft Lot
- Chain Link Fence
Parking
- 1 Car Detached Garage
- Driveway
- On-Street Parking
Home Design
- Cape Cod Architecture
- Block Foundation
- Poured Concrete
- Shingle Roof
- Vinyl Siding
Interior Spaces
- 1,176 Sq Ft Home
- 1.5-Story Property
- Fireplace
- Insulated Windows
- Family Room
- Living Room
Kitchen
- Electric Range
- Microwave
- Dishwasher
Flooring
- Wood
- Carpet
- Laminate
Bedrooms and Bathrooms
- 3 Bedrooms
Laundry
- Dryer
- Washer
Basement
- Walk-Out Basement
- Basement Fills Entire Space Under The House
- Laundry in Basement
Outdoor Features
- Porch
Schools
- Aj Lindeman Elementary School
- Tichenor Middle School
- Lloyd High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
Community Details
- No Home Owners Association
Listing and Financial Details
- Assessor Parcel Number 015-10-03-026.00
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Sep 6, 2025
Closed on
Oct 24, 2025
Sold by
Whalen Steven C
Bought by
Tanner Emma Darleen
Seller's Agent
Mike Spicer
Coldwell Banker Realty FM
Buyer's Agent
Greg Ryan
Huff Realty - Florence
List Price
$230,000
Sold Price
$220,000
Premium/Discount to List
-$10,000
-4.35%
Views
71
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
11.71%
Original Mortgage
$216,015
Outstanding Balance
$216,015
Interest Rate
6.35%
Mortgage Type
FHA
Estimated Equity
$8,664
Purchase Details
Listed on
Jul 15, 2021
Closed on
Aug 17, 2021
Sold by
Harney Conner Louis
Bought by
Whalen Steven
Seller's Agent
Dave Gutzeit
Home Quest Realty
Buyer's Agent
Mike Spicer
Coldwell Banker Realty FM
List Price
$159,900
Sold Price
$185,000
Premium/Discount to List
$25,100
15.7%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
4.22%
Original Mortgage
$189,315
Interest Rate
2.7%
Mortgage Type
VA
Purchase Details
Closed on
Apr 30, 2020
Sold by
Mckeehan Kevin and Mckeehan Shawan
Bought by
Herney Conner Louis
Purchase Details
Closed on
Jan 28, 2008
Sold by
Chasteen Joseph M and Chasteen Carrie
Bought by
Hud
Purchase Details
Closed on
Mar 21, 2005
Sold by
Tri State Home Rescue Llc
Bought by
Chasteen Joseph M
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$112,238
Interest Rate
5.54%
Mortgage Type
FHA
Purchase Details
Closed on
Jan 29, 2004
Sold by
Dickman Elizabeth and Snell Shane
Bought by
Tri State Home Rescue Llc
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$85,000
Interest Rate
5.98%
Mortgage Type
Construction
Purchase Details
Closed on
Dec 5, 2003
Sold by
Dickman Elizabeth
Bought by
Dickman Elizabeth and Snell Shane
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$85,000
Interest Rate
5.98%
Mortgage Type
Construction
Purchase Details
Closed on
Jul 23, 2003
Sold by
Gambrall Corrina L and Gambrall John
Bought by
Citifinancial Mortgage Co Inc and Associates Home Equity Services
Purchase Details
Closed on
Dec 7, 2000
Sold by
Est Nicholas A Knasel
Bought by
Gambrall Corrina L
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$67,758
Interest Rate
7.71%
Mortgage Type
New Conventional
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $220,000 | None Listed On Document | |
| Warranty Deed | $185,000 | Lawyers Title Of Cincinnati | |
| Warranty Deed | $144,000 | 360 American Title Svcs Llc | |
| Commissioners Deed | $71,335 | None Available | |
| Deed | $114,000 | Community Title Inc | |
| Deed | -- | -- | |
| Interfamily Deed Transfer | $33,500 | -- | |
| Special Warranty Deed | $67,000 | -- | |
| Warranty Deed | -- | -- | |
| Deed | $70,400 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $216,015 | FHA | |
| Previous Owner | $189,315 | VA | |
| Previous Owner | $112,238 | FHA | |
| Previous Owner | $85,000 | Construction | |
| Previous Owner | $67,758 | New Conventional |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 10/24/2025 10/24/25 | Sold | $220,000 | -4.3% | $187 / Sq Ft | |
| 09/18/2025 09/18/25 | Pending | -- | -- | -- | |
| 09/06/2025 09/06/25 | For Sale | $230,000 | +24.3% | $196 / Sq Ft | |
| 08/18/2021 08/18/21 | Sold | $185,000 | +15.7% | $157 / Sq Ft | View Prior Sale |
| 07/17/2021 07/17/21 | Pending | -- | -- | -- | |
| 07/15/2021 07/15/21 | For Sale | $159,900 | -- | $136 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $1,793 | $185,000 | $25,000 | $160,000 |
| 2024 | $2,470 | $185,000 | $25,000 | $160,000 |
| 2023 | $2,403 | $185,000 | $25,000 | $160,000 |
| 2022 | $2,697 | $185,000 | $15,000 | $170,000 |
| 2021 | $2,146 | $144,000 | $15,000 | $129,000 |
| 2020 | $1,289 | $85,000 | $15,000 | $70,000 |
| 2019 | $1,270 | $85,000 | $15,000 | $70,000 |
| 2018 | $1,295 | $85,000 | $15,000 | $70,000 |
| 2017 | $1,187 | $85,000 | $15,000 | $70,000 |
| 2015 | $1,130 | $85,000 | $15,000 | $70,000 |
| 2014 | $1,097 | $85,000 | $15,000 | $70,000 |
Source: Public Records
Agents Affiliated with this Home
-
Mike Spicer
-
Greg Ryan
Buyer's Agent in 2025
Greg Ryan
Huff Realty - Florence
(859) 304-0680
9 in this area
119 Total Sales
-
Dave Gutzeit
D
Seller's Agent in 2021
Dave Gutzeit
Home Quest Realty
(859) 250-6000
7 in this area
59 Total Sales
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 636040
APN: 015-10-03-026.00
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NKMLS. Real estate listings held by IDX Brokerage firms other than Ten-X are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about them includes the name of the listing Brokers.
Listing information is deemed reliable, but not guaranteed.
Copyright 2025 Northern Kentucky Multiple Listing Service, Inc. All rights reserved.
Nearby Homes