1087 Galvin St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1087 Galvin St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,500 sqft · built 1980
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Sep 2024)
Tax Bill	$3,417 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-032.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-032.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,500 sqft Finished Area
Gross Area	1,570 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	125 ft deep x 50 ft wide
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

Street Address	1087 GALVIN ST
City	ELSMERE
State	KY
Zip	41018-2548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HENRY GALVIN BLK B LOT 23
Legal Subdivision	GALVIN-HENRY
Legal Phase	B
Legal Block	B
Legal Lot Number	23
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	2 Individual Names on Record
Mailing Address	1087 GALVIN ST, ELSMERE, KY 41018-2548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2020	Warranty Deed, Transfer · Conventional with PMI CARDINAL FIN'L
Dec 3, 2019	Quit Claim Deed, Mortgage · FHA Mortgage VILLAGE CAP & INV LLC
Jun 25, 2018	Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2024 · Amount on Record
Deed Sale	Sep 30, 2024 · Amount on Record
Prior Sale	Sep 4, 2020 · Amount on Record
Deed Document Number	202477
Deed Book / Page	307 / 386
Prior Transfer Date	Oct 31, 2019
Prior Transfer Doc	0005900193
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 4, 2020
Property Address	1087 GALVIN ST, ELSMERE, KY 41018-2548
Document Number	0000000167
Book / Page	000041 / 000710
Instrument Date	Aug 28, 2020
Instrument	167
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1087 GALVIN ST ELSMERE KY 410182548, ELSMERE, KY 41018-2548

Mortgage

Document Number	168
Date	Sep 4, 2020
Book Page	000M94/000110
Instrument	168

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2050

December 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Dec 3, 2019
Property Address	1087 GALVIN ST, ELSMERE, KY 41018-2548
Document Number	0000000193
Book / Page	0C6816 / 000088
Instrument Date	Oct 31, 2019
Instrument	193
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	MILESTONE SETTLEMENT LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1087 GALVIN ST ELSMERE KY 410182548, ELSMERE, KY 41018-2548

Mortgage

Document Number	194
Date	Dec 3, 2019
Book Page	0C6816/000092
Instrument	194

Lender

Name	VILLAGE CAP & INV LLC
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 25, 2018
Property Address	1087 GALVIN ST, ELSMERE, KY 41018-2548
Document Number	0000000311
Book / Page	0C6438 / 000071
Instrument Date	Jun 15, 2018
Instrument	311
Transaction Type	Transfer
Record Updated	Jul 12, 2018
Title Company	SPRINGDALE TITLE LLC

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
Address	1423 ALPHA JUNIPER ST FORT DIX NJ 08640, FORT DIX, NJ 08640

Mortgage

Document Number	312
Date	Jun 25, 2018
Book Page	0C6438/000074
Instrument	312

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2048

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		$225,000 (-) Land $20,000 Building $205,000	$225,000 (-) Land $20,000 Building $205,000
2025	$3,417.00 (+47.09%)	$225,000 (+45.16%) Land $20,000 Building $205,000	$225,000 (+45.16%) Land $20,000 Building $205,000
2023	$2,323.00	$155,000 Land $20,000 Building $135,000	$155,000 Land $20,000 Building $135,000

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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