1022 Wermeling Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1022 Wermeling Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 891 sqft · built 2008
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Apr 2022)
Tax Bill	$3,038 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-366.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-366.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	891 sqft Finished Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Lot Area	6,098 sqft (0.14 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	1022 WERMELING LN
City	ERLANGER
State	KY
Zip	41018-1879
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II ADDITION SEC 13 LOT 366
Legal Subdivision	RIPPLE CREEK II
Legal Phase	13
Legal Lot Number	366
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
Census Tract	65600

Owner

1022 Wermeling Ln is owned and occupied by an individual who bought it in April 2022.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1022 WERMELING LN, ERLANGER, KY 41018-1879
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Nov 18, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Dec 11, 2018	Warranty Deed, Transfer · FHA Mortgage POLARIS HM FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2022 · Amount on File
Deed Sale	Apr 29, 2022 · Amount on File
Prior Sale	Dec 11, 2018 · Amount on File
Deed Document Number	202264
Deed Book / Page	162 / 479
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Apr 29, 2022
Property Address	1022 WERMELING LN, ELSMERE, KY 41018-1879
Document Number	0005900064
Book / Page	162 / 479
Map Reference	SL 2073
Instrument Date	Apr 28, 2022
Instrument	22042905900064
Transaction Type	Transfer
Record Updated	May 11, 2022
Title Company	ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1022 WERMELING LN, 1022, ELSMERE, KY 41018-1879

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1022 WERMELING LN, ELSMERE, KY 41018-1879

Mortgage

Document Number	0005900209
Date	Apr 29, 2022
Book Page	365/957
Instrument	22042905900209

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1022 WERMELING LN, ELSMERE, KY 41018-1879
Document Number	0000000028
Instrument Date	Nov 18, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1022 WERMELING LN ELSMERE KY 410181879, ELSMERE, KY 41018-1879

Mortgage

Document Number	0000000028
Date	Nov 25, 2020
Book Page	00M131/000750
Instrument	28

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 11, 2018
Property Address	1022 WERMELING LN, ELSMERE, KY 41018-1879
Document Number	0000000233
Book / Page	0C6562 / 000026
Instrument Date	Dec 7, 2018
Instrument	233
Transaction Type	Transfer
Record Updated	Dec 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1022 WERMELING LN ELSMERE KY 410181879, ELSMERE, KY 41018-1879

Mortgage

Document Number	234
Date	Dec 11, 2018
Book Page	0C6562/000029
Instrument	234

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1022 Wermeling Ln was $3,038.

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		$200,000 (-) Land $25,000 Building $175,000	$200,000 (-) Land $25,000 Building $175,000
2025	$3,038.00	$200,000 Land $25,000 Building $175,000	$200,000 Land $25,000 Building $175,000
2023	$2,998.00	$200,000 Land $25,000 Building $175,000	$200,000 Land $25,000 Building $175,000

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

Flood

FEMA maps place 1022 Wermeling Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1022 Wermeling Ln is low, with a 0.01% annual chance of 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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