1071 Wermeling Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1071 Wermeling Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 996 sqft · built 1998
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Jun 2008)
Tax Bill	$2,741 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-231.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-231.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	996 sqft Finished Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	136 ft deep x 44 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	1071 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 231
Legal Subdivision	RIPPLE CREEK II
Legal Phase	10
Legal Lot Number	231
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
Census Tract	65600

Owner

1071 Wermeling Ln is owned and occupied by an individual who bought it in June 2008.

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

Owner of Record	Individual Name on File
Mailing Address	1071 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 16, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC
Apr 14, 2017	Deed of Trust, Mortgage · FHA Mortgage POLARIS HM FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2008 · Amount on File
Deed Sale	Jun 25, 2008 · Amount on File
Prior Sale	Sep 24, 1998 · Amount on File
Deed Document Number	200806 25 059 00049
Deed Book / Page	3756 / 12
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1071 WERMELING LN, ELSMERE, KY 41018-1883
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900209
Date	Oct 16, 2025
Book Page	KCM 697/32
Instrument	25101605900209

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1071 WERMELING LN, ELSMERE, KY 41018-1883
Document Number	0000000101
Book / Page	0C6140 / 000264
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1071 WERMELING LN ELSMERE KY 410181883, ELSMERE, KY 41018-1883

Mortgage

Document Number	0000000101
Date	Apr 20, 2017
Book Page	0C6140/000264
Instrument	101

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	COVINGTON, KY 41018

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1071 Wermeling Ln was $2,741.

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		$180,500 (-) Land $25,000 Building $155,500	$180,500 (-) Land $25,000 Building $155,500
2025	$2,741.00	$180,500 Land $25,000 Building $155,500	$180,500 Land $25,000 Building $155,500
2023	$2,705.00	$180,500 Land $25,000 Building $155,500	$180,500 Land $25,000 Building $155,500

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

Flood

FEMA maps place 1071 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 1071 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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