1065 Wermeling Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1065 Wermeling Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 996 sqft · built 1999
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$144,500 (Dec 2019)
Tax Bill	$2,822 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-251.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-251.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	996 sqft Finished Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	137 ft deep x 94 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1065 WERMELING LN
City	ERLANGER
State	KY
Zip	41018-1883
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 10 LOT 251
Legal Subdivision	RIPPLE CREEK II
Legal Phase	10
Legal Lot Number	251
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
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	2 Individual Names on Record
Mailing Address	1065 WERMELING LN, ERLANGER, KY 41018-1883
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2019 · Amount on Record
Deed Sale	Dec 4, 2019 · Amount on Record
Prior Sale	Jun 19, 2007 · Amount on Record
Deed Document Number	201912 04 059 00203
Deed Book / Page	6817 / 313
Record Updated	Oct 29, 2026

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 4, 2019
Property Address	1065 WERMELING LN, ELSMERE, KY 41018-1883
Document Number	0000000203
Book / Page	0C6817 / 000313
Instrument Date	Nov 25, 2019
Instrument	203
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$144.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1065 WERMELING LN ELSMERE KY 410181883, ELSMERE, KY 41018-1883

Mortgage

Document Number	206
Date	Dec 4, 2019
Book Page	0C6817/000336
Instrument	206

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2049

Mortgage

Document Number	207,
Date	Dec 4, 2019
Book Page	0C6817/000350
Instrument	207

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 3, 2029

Interest

Rate Type	Adjustable Rate
Rate	12%

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		$185,800 (-) Land $25,000 Building $160,800	$185,800 (-) Land $25,000 Building $160,800
2025	$2,822.00 (+1.33%)	$185,800 (-) Land $25,000 Building $160,800	$185,800 (-) Land $25,000 Building $160,800
2023	$2,785.00	$185,800 Land $25,000 Building $160,800	$185,800 Land $25,000 Building $160,800

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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