1086 Shadowridge Dr, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1086 Shadowridge Dr, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 924 sqft · built 1998
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$165,500 (Jun 2020)
Tax Bill	$2,784 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-150.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-150.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	924 sqft Finished Area
Gross Area	1,024 sqft

Exterior

Year Built	Built 1998
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
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	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Old Parcel Number	0161002150.00
Street Address	1086 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 150
Legal Subdivision	RIPPLE CREEK II
Legal Phase	6
Legal Lot Number	150
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
Census Tract	65600

Owner

Source: Kenton County records, as of November 27, 2025

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	1086 SHADOWRIDGE DR, ELSMERE, KY 41018-4019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2020	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Jul 17, 2017	Warranty Deed, Transfer · Conventional with PMI HOMESERVICES LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2020 · Amount on Record
Deed Sale	Jun 8, 2020 · Amount on Record
Prior Sale	Jul 17, 2017 · Amount on Record
Deed Document Number	0000002579
Deed Book / Page	25 / 79
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 8, 2020
Property Address	1086 SHADOWRIDGE DR, ELSMERE, KY 41018-4019
Document Number	0000000158
Book / Page	000025 / 000079
Instrument Date	Jun 1, 2020
Instrument	158
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1086 SHADOWRIDGE DR ELSMERE KY 410184019, ELSMERE, KY 41018-4019

Mortgage

Document Number	159
Date	Jun 8, 2020
Book Page	000M54/000184
Instrument	159

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 17, 2017
Property Address	1086 SHADOWRIDGE DR, ELSMERE, KY 41018-4019
Document Number	0000000201
Book / Page	006203 / 000004
Instrument Date	Jul 14, 2017
Instrument	201
Transaction Type	Transfer
Record Updated	Aug 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
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	1086 SHADOWRIDGE DR ELSMERE KY 410184019, ELSMERE, KY 41018-4019

Mortgage

Document Number	202
Date	Jul 17, 2017
Book Page	006203/000007
Instrument	202

Lender

Name	HOMESERVICES LNDG
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2047

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	$2,784.00 (+1.35%)	$183,300 (-) Land $25,000 Building $158,300	$183,300 (-) Land $25,000 Building $158,300
2023	$2,747.00	$183,300 Land $25,000 Building $158,300	$183,300 Land $25,000 Building $158,300

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