1074 Shadowridge Dr, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1074 Shadowridge Dr, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,028 sqft · built 1997
Lot Size	0.139 acres (6,098 sqft)
Owner	2 Individuals on Record
Last Sale	$150,000 (Jul 2020)
Tax Bill	$2,848 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-153.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-153.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,028 sqft Finished Area
Gross Area	1,108 sqft

Exterior

Year Built	Built 1997
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0161002153.00
Street Address	1074 SHADOWRIDGE DR
City	ELSMERE
State	KY
Zip	41018-4019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 6 LOT 153
Legal Subdivision	RIPPLE CREEK II
Legal Phase	6
Legal Lot Number	153
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
Census Tract	65600

Owner

Source: Kenton County assessment roll, as of April 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	1074 SHADOWRIDGE DR, ELSMERE, KY 41018-4019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC
Jul 20, 2020	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2020 · Amount on Record
Deed Sale	Jul 29, 2020 · Amount on Record
Prior Sale	Mar 6, 1998 · Amount on Record
Deed Document Number	0000034316
Deed Book / Page	34 / 316
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 29, 2020
Property Address	1074 SHADOWRIDGE DR, ELSMERE, KY 41018-4019
Document Number	0000000160
Book / Page	000034 / 000316
Instrument Date	Jul 20, 2020
Instrument	160
Transaction Type	Transfer
Record Updated	Sep 14, 2020
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
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	1074 SHADOWRIDGE DR ELSMERE KY 410184019, ELSMERE, KY 41018-4019

Mortgage

Document Number	161
Date	Jul 29, 2020
Book Page	000M75/000425
Instrument	161

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1074 SHADOWRIDGE DR, ELSMERE, KY 41018-4019
Document Number	0000000161
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	LAWYERS TITLE/CINCINNATI INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1074 SHADOWRIDGE DR ELSMERE KY 410184019, ELSMERE, KY 41018-4019

Mortgage

Document Number	0000000161
Date	Jul 29, 2020
Book Page	000M75/000425
Instrument	161

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2050

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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	$2,848.00 (+1.35%)	$187,500 (-) Land $25,000 Building $162,500	$187,500 (-) Land $25,000 Building $162,500
2023	$2,810.00	$187,500 Land $25,000 Building $162,500	$187,500 Land $25,000 Building $162,500

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.

Nearby Properties on Shadowridge Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures