1034 Shadowridge Dr, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1034 Shadowridge Dr, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,032 sqft · built 1997
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual on Record
Last Sale	$170,000 (Jun 2020)
Tax Bill	$2,889 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-173.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-173.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,032 sqft Finished Area
Gross Area	1,296 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 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	1034 SHADOWRIDGE DR
City	ELSMERE
State	KY
Zip	41018-4019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 7 LOT 173
Legal Subdivision	RIPPLE CREEK II
Legal Phase	7
Legal Lot Number	173
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
Census Tract	65600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	1034 SHADOWRIDGE DR, ELSMERE, KY 41018-4019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Jun 18, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG
Feb 27, 2019	Warranty Deed, Transfer · VA Mortgage THRIVENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2020 · Amount on Record
Deed Sale	Jun 18, 2020 · Amount on Record
Prior Sale	Feb 27, 2019 · Amount on Record
Deed Document Number	20205900056
Deed Book / Page	26 / 949
Last Transfer Date	Aug 5, 2021
Transfer Doc	0005900222
Record Updated	Sep 20, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Aug 18, 2021
Property Address	1034 SHADOWRIDGE DR, ELSMERE, KY 41018-4019
Document Number	0005900222
Book / Page	112 / 191
Map Reference	PL 1777
Instrument Date	Aug 5, 2021
Instrument	21081805900222
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1034 SHADOWRIDGE DR, ELSMERE, KY 41018-4019

Mortgage

Document Number	0005900223
Date	Aug 18, 2021
Book Page	258/822
Instrument	21081805900223

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 18, 2020
Property Address	1034 SHADOWRIDGE DR, ELSMERE, KY 41018-4019
Document Number	0000000057
Book / Page	000026 / 000949
Instrument Date	Jun 12, 2020
Instrument	57
Transaction Type	Transfer
Record Updated	Aug 7, 2020
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
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	10345 SHADOWRIDGE DR ELSMERE KY 41018, ELSMERE, KY 41018

Mortgage

Document Number	0000000057
Date	Jun 18, 2020
Book Page	000M59/000414
Instrument	57

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45242

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 27, 2019
Property Address	1034 SHADOWRIDGE DR, ELSMERE, KY 41018-4019
Document Number	0000000115
Book / Page	0C6608 / 000022
Instrument Date	Feb 25, 2019
Instrument	115
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$147.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1034 SHADOWRIDGE DR ELSMERE KY 410184019, ELSMERE, KY 41018-4019

Mortgage

Document Number	117
Date	Feb 27, 2019
Book Page	0C6608/000025
Instrument	117

Lender

Name	THRIVENT FCU
Type	Credit Union
Address	MINNEAPOLIS, MN 55415

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 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
2025	$2,889.00 (+1.33%)	$190,200 (-) Land $25,000 Building $165,200	$190,200 (-) Land $25,000 Building $165,200
2023	$2,851.00	$190,200 Land $25,000 Building $165,200	$190,200 Land $25,000 Building $165,200

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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