1025 Wermeling Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1025 Wermeling Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,136 sqft · built 2009
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$249,000 (Oct 2023)
Tax Bill	$3,782 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jul 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-336.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-336.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Building Area	1,136 sqft Finished Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1025 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 336
Legal Subdivision	RIPPLE CREEK II
Legal Phase	13
Legal Lot Number	336
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
Census Tract	65600

Owner

1025 Wermeling Ln is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1025 WERMELING LN, ERLANGER, KY 41018-1883
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
Oct 17, 2023	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jul 24, 2020	Deed of Trust, Mortgage · Line of Credit US BK
Aug 1, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2023 · Amount on File
Deed Sale	Oct 17, 2023 · Amount on File
Prior Sale	Sep 30, 2013 · Amount on File
Deed Document Number	20231017274
Deed Book / Page	252 / 543
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 17, 2023
Property Address	1025 WERMELING LN, ELSMERE, KY 41018-1883
Document Number	0005900274
Book / Page	KC 252 / 543
Map Reference	SL 2073
Instrument Date	Oct 13, 2023
Instrument	23101705900274
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	360 AMERICAN TITLE SERVICES

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	4012 NIAGARA DR, LAGRANGE, KY 40031-9651

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 WERMELING LN, ELSMERE, KY 41018-1883

Mortgage

Document Number	0005900275
Date	Oct 17, 2023
Instrument	23101705900275

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1025 WERMELING LN, ELSMERE, KY 41018-1883
Document Number	000M820079
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1025 WERMELING LN ELSMERE KY 410181883, ELSMERE, KY 41018-1883

Mortgage

Document Number	000M820079
Date	Aug 13, 2020
Book Page	000M82/000079

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 12, 2035

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1025 WERMELING LN, ELSMERE, KY 41018-1883
Document Number	0000000266
Book / Page	006229 / 000118
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 31, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1025 WERMELING LN ERLANGER KY 410181883, ERLANGER, KY 41018-1883

Mortgage

Document Number	0000000266
Date	Aug 21, 2017
Book Page	006229/000118
Instrument	266

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 20, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1025 Wermeling Ln was $3,782.

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		$249,000 (-) Land $25,000 Building $224,000	$249,000 (-) Land $25,000 Building $224,000
2025	$3,782.00	$249,000 Land $25,000 Building $224,000	$249,000 Land $25,000 Building $224,000
2023	$2,896.00 (+32.84%)	$193,200 (+45.81%) Land $25,000 Building $168,200	$193,200 (+45.81%) Land $25,000 Building $168,200
2022	$2,180.00	$132,500 Land $35,000 Building $97,500	$132,500 Land $35,000 Building $97,500

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

Flood

FEMA maps place 1025 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 1025 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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