1085 Galvin St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1085 Galvin St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 960 sqft · built 1976
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Aug 2022)
Tax Bill	$2,886 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-033.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-033.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	960 sqft Finished Area
Gross Area	1,098 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	1085 GALVIN ST
City	ELSMERE
State	KY
Zip	41018-2548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH ERLANGER LOTS 1040-1041-1042
Legal Subdivision	SOUTH ERLANGER
Legal Phase	2
Legal Lot Number	1040-10
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	Individual Name on Record
Mailing Address	1085 GALVIN ST, ELSMERE, KY 41018-2548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 10, 2017	Grant Deed, Transfer · Conventional Mortgage GREAT LKS MTG GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2022 · Amount on Record
Deed Sale	Aug 26, 2022 · Amount on Record
Prior Sale	Oct 10, 2017 · Amount on Record
Deed Document Number	2022141
Deed Book / Page	186 / 332
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 26, 2022
Property Address	1085 GALVIN ST, ELSMERE, KY 41018-2548
Document Number	0005900141
Book / Page	186 / 332
Instrument Date	Aug 24, 2022
Instrument	22082605900141
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 73106, BELLEVUE, KY 41073-0106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1085 GALVIN ST, ELSMERE, KY 41018-2548

Mortgage

Document Number	0005900142
Date	Aug 26, 2022
Book Page	401/588
Instrument	22082605900142

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Oct 10, 2017
Property Address	1085 GALVIN ST, ELSMERE, KY 41018-2548
Document Number	0000000042
Book / Page	0C6267 / 000284
Instrument Date	Oct 2, 2017
Instrument	42
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6900 HOUSTON RD #27 FLORENCE KY 410424890, 27, FLORENCE, KY 41042-4890
Investor	Possibly a Property Investor

Mortgage

Document Number	43
Date	Oct 10, 2017
Book Page	0C6267/000286
Instrument	43

Lender

Name	GREAT LKS MTG GROUP LLC
Address	WARRENSVILLE HTS, OH 44128

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2047

Interest

Rate Type	Adjustable Rate
Rate	6.5%

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		$190,000 (-) Land $25,000 Building $165,000	$190,000 (-) Land $25,000 Building $165,000
2025	$2,886.00 (+1.33%)	$190,000 (-) Land $25,000 Building $165,000	$190,000 (-) Land $25,000 Building $165,000
2023	$2,848.00	$190,000 Land $25,000 Building $165,000	$190,000 Land $25,000 Building $165,000

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 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 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 527 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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