Kenton County property record for 1041 Shadowridge Dr, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,082 sqft · built 1997 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $112,500 (Sep 2005) |
| Tax Bill | $2,969 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-10-02-169.00 |
| Primary APN | 016-10-02-169.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,082 sqft Finished Area |
| Gross Area | 1,182 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1041 SHADOWRIDGE DR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-4020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIPPLE CREEK II SEC 7 LOT 169 |
| Legal Subdivision | RIPPLE CREEK II |
| Legal Phase | 7 |
| Legal Lot Number | 169 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 65600 |
Source: Kenton County records · APN 016-10-02-169.00
Assessment roll updated December 2, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1041 SHADOWRIDGE DR, ELSMERE, KY 41018-4020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Jan 17, 2017 | Grant Deed, Transfer · Conventional with PMI MYCUMORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 29, 2005 · Amount on Record |
| Deed Sale | Sep 29, 2005 · Amount on Record |
| Prior Sale | Oct 04, 1999 · Amount on Record |
| Deed Document Number | 200509 29 059 00029 |
| Deed Book / Page | 2766 / 317 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1041 SHADOWRIDGE DR, ELSMERE, KY 41018-4020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900141 |
|---|---|
| Date | Mar 26, 2021 |
| Book Page | 191/119 |
| Instrument | 21032605900141 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2036 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 17, 2017 |
| Property Address | 1041 SHADOWRIDGE DR, ELSMERE, KY 41018-4020 |
| Document Number | 0000000059 |
| Book / Page | 0C6075 / 000203 |
| Instrument Date | Jan 12, 2017 |
| Instrument | 59 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2018 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $120.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1041 SHADOWRIDGE DR ELSMERE KY 410184020, ELSMERE, KY 41018-4020 |
| Document Number | 61 |
|---|---|
| Date | Jan 17, 2017 |
| Book Page | 0C6075/000206 |
| Instrument | 61 |
| Name | MYCUMORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | BEAVERCREEK, OH 45431 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 16, 2032 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,969.00 (+1.33%) | $195,500 (-) Land $25,000 Building $170,500 | $195,500 (-) Land $25,000 Building $170,500 |
| 2023 | $2,930.00 | $195,500 Land $25,000 Building $170,500 | $195,500 Land $25,000 Building $170,500 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 427 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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