1073 Shadowridge Dr, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1073 Shadowridge Dr, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 924 sqft · built 1997
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$88,000 (May 2009)
Tax Bill	$2,737 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-164.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-164.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	924 sqft Finished Area
Gross Area	1,164 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
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	1073 SHADOWRIDGE DR
City	ELSMERE
State	KY
Zip	41018-4020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 6 LOT 164
Legal Subdivision	RIPPLE CREEK II
Legal Phase	6
Legal Lot Number	164
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
Census Tract	65600

Owner

Source: Kenton County records, as of January 16, 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	1073 SHADOWRIDGE DR, ELSMERE, KY 41018-4020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed of Trust, Mortgage · FHA Mortgage HUNTINGTON NATIONAL BANK
Jul 25, 2023	Deed of Trust, Mortgage · FHA Mortgage THE HUNTINGTON NATIONAL BANK
Mar 2, 2020	Deed of Trust, Mortgage · FHA Mortgage HUNTINGTON NAT'L BK
Aug 17, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2009 · Amount on Record
Deed Sale	May 28, 2009 · Amount on Record
Prior Sale	Feb 4, 2009 · Amount on Record
Deed Document Number	200905 28 059 00210
Deed Book / Page	4022 / 205
Prior Transfer Date	Nov 8, 2005
Prior Transfer Doc	0005900032
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jul 21, 2026
Property Address	1073 SHADOWRIDGE DR, ELSMERE, KY 41018-4020
Document Number	0000015429
Book / Page	462 / 553
Instrument Date	Jul 2, 2026
Instrument	202615429
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1073 SHADOWRIDGE DR, ELSMERE, KY 41018-4020
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015429,
Date	Jul 21, 2026
Book Page	462/553
Instrument	202615429

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1073 SHADOWRIDGE DR, ELSMERE, KY 41018-4020
Transaction Type	Mortgage
Record Updated	Aug 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900092
Date	Jul 25, 2023
Book Page	KCM 478/334
Instrument	23072505900092

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1073 SHADOWRIDGE DR, ELSMERE, KY 41018-4020
Document Number	0000000153
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1073 SHADOWRIDGE DR ELSMERE KY 410184020, ELSMERE, KY 41018-4020

Mortgage

Document Number	0000000153
Date	Mar 9, 2020
Book Page	000M17/000771
Instrument	153

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1073 SHADOWRIDGE DR, ELSMERE, KY 41018-4020
Document Number	0000000310
Instrument Date	Aug 17, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1073 SHADOWRIDGE DR ELSMERE KY 410184020, ELSMERE, KY 41018-4020

Mortgage

Document Number	0000000310
Date	Sep 5, 2018
Book Page	0C6495/000007
Instrument	310

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2048

Interest

Rate Type	Adjustable Rate

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	$2,737.00 (+1.33%)	$180,200 (-) Land $25,000 Building $155,200	$180,200 (-) Land $25,000 Building $155,200
2023	$2,701.00	$180,200 Land $25,000 Building $155,200	$180,200 Land $25,000 Building $155,200

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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