1009 Wermeling Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1009 Wermeling Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 940 sqft · built 2007
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$157,500 (Nov 2019)
Tax Bill	$2,507 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-340.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-340.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	940 sqft Finished Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	1009 WERMELING LN
City	ERLANGER
State	KY
Zip	41018-1883
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II ADDITION SEC 13 LOT 340
Legal Subdivision	RIPPLE CREEK II
Legal Phase	13
Legal Lot Number	340
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
Census Tract	65600

Owner

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	1009 WERMELING LN, ERLANGER, KY 41018-1883
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Line of Credit US BANK
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FIN'L BK&TR
Nov 12, 2019	Grant Deed, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2019 · Amount on Record
Deed Sale	Nov 12, 2019 · Amount on Record
Prior Sale	Sep 29, 2015 · Amount on Record
Deed Document Number	201911 12 059 00127
Deed Book / Page	6799 / 65
Prior Transfer Date	Oct 24, 2013
Prior Transfer Doc	0000000036
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Aug 12, 2026
Property Address	1009 WERMELING LN, ERLANGER, KY 41018-1883
Document Number	0000018119
Book / Page	479 / 272
Instrument Date	Jul 2, 2026
Instrument	202618119
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1009 WERMELING LN, ERLANGER, KY 41018-1883

Mortgage

Document Number	0000018119,
Date	Aug 12, 2026
Book Page	479/272
Instrument	202618119

Lender

Name	US BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2056

Interest

Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1009 WERMELING LN, ELSMERE, KY 41018-1883
Document Number	0000000103
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	BRIDGE TRUST TITLE GROUP, BRIDGE TR TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1009 WERMELING LN ELSMERE KY 410181883, ELSMERE, KY 41018-1883

Mortgage

Document Number	0000000103
Date	Aug 28, 2020
Book Page	000M90/000071
Instrument	103

Lender

Name	FIRST FIN'L BK&TR
Type	Funding / Finance Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 27, 2035

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Nov 12, 2019
Property Address	1009 WERMELING LN, ELSMERE, KY 41018-1883
Document Number	0000000127
Book / Page	0C6799 / 000065
Instrument Date	Nov 8, 2019
Instrument	127
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1009 WERMELING LN ELSMERE KY 410181883, ELSMERE, KY 41018-1883

Mortgage

Document Number	128
Date	Nov 12, 2019
Book Page	0C6799/000068
Instrument	128

Lender

Name	NEWREZ LLC
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Elsmere City
Unified School District	Erlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$165,100 (-) Land $25,000 Building $140,100	$165,100 (-) Land $25,000 Building $140,100
2025	$2,507.00 (+1.33%)	$165,100 (-) Land $25,000 Building $140,100	$165,100 (-) Land $25,000 Building $140,100
2023	$2,474.00	$165,100 Land $25,000 Building $140,100	$165,100 Land $25,000 Building $140,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 427 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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