1034 Wermeling Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1034 Wermeling Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 902 sqft · built 2009
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jun 2022)
Tax Bill	$3,038 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-369.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-369.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	902 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	9,148 sqft (0.21 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	1034 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 369
Legal Subdivision	RIPPLE CREEK II
Legal Phase	13
Legal Lot Number	369
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
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	1034 WERMELING LN, ERLANGER, KY 41018-1879
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2024	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage EATON FAMILY CU
Jul 7, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 7, 2022	Warranty Deed, Transfer · FHA Mortgage BAYSHORE MORTGAGE FUNDING LLC
Jan 31, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2022 · Amount on Record
Deed Sale	Jun 7, 2022 · Amount on Record
Prior Sale	Jan 31, 2018 · Amount on Record
Deed Document Number	202258
Deed Book / Page	169 / 587
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1034 WERMELING LN, ELSMERE, KY 41018-1879
Transaction Type	Mortgage
Record Updated	Feb 22, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1034 WERMELING LN, ERLANGER, KY 41018-1879

Mortgage

Document Number	0005900004
Date	Feb 9, 2024
Book Page	KCM 525/615
Instrument	24020905900004

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Jun 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1034 WERMELING LN, ELSMERE, KY 41018-1879
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900054
Date	Aug 17, 2021
Book Page	257/627
Instrument	21081705900054

Lender

Name	EATON FAMILY CU
Type	Credit Union
Address	EUCLID, OH 44123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jul 20, 2036

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1034 WERMELING LN, ELSMERE, KY 41018-1879
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1034 WERMELING LN, ERLANGER, KY 41018-1879

Mortgage

Document Number	0005900203
Date	Jul 7, 2023
Book Page	KCM 474/501
Instrument	23070705900203

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Jun 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 7, 2022
Property Address	1034 WERMELING LN, ELSMERE, KY 41018-1879
Document Number	0005900058
Book / Page	169 / 591
Map Reference	SL 2073
Instrument Date	May 31, 2022
Instrument	22060705900058
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
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	10643 SINCLAIR DR, INDEPENDENCE, KY 41051-7546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1034 WERMELING LN, ELSMERE, KY 41018-1879

Mortgage

Document Number	0005900059
Date	Jun 7, 2022
Book Page	377/219
Instrument	22060705900059

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

January 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 31, 2018
Property Address	1034 WERMELING LN, ERLANGER, KY 41018-1879
Document Number	0000000061
Book / Page	0C6344 / 000086
Instrument Date	Jan 26, 2018
Instrument	61
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1034 WERMELING LN ELSMERE KY 410181879, ELSMERE, KY 41018-1879

Mortgage

Document Number	63
Date	Jan 31, 2018
Book Page	0C6344/000089
Instrument	63

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Funding / Finance Company
Address	CINCINNATI, OH 45247

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2048

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		$200,000 (-) Land $25,000 Building $175,000	$200,000 (-) Land $25,000 Building $175,000
2025	$3,038.00 (+1.33%)	$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

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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