1088 Henry St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1088 Henry St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,080 sqft · built 1979
Lot Size	0.139 acres (6,098 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,311 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-038.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-038.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,080 sqft Finished Area
Gross Area	1,060 sqft

Exterior

Year Built	Built 1979
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Old Parcel Number	0161000038.00
Street Address	1088 HENRY ST
City	ELSMERE
State	KY
Zip	41018-2564
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HENRY GALVIN BLK A LOT 11
Legal Subdivision	GALVIN-HENRY
Legal Phase	A
Legal Block	A
Legal Lot Number	11
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
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	2 Individual Names on Record
Mailing Address	1088 HENRY ST, ELSMERE, KY 41018-2564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK
Oct 14, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2016
Deed Sale	Jun 16, 2016
Prior Sale	Mar 28, 2016 · Amount on Record
Deed Document Number	0005914340
Deed Book / Page	C-5914 / 340
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1088 HENRY ST, ELSMERE, KY 41018-2564
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900014
Date	Feb 23, 2021
Book Page	171/354
Instrument	21022305900014

Lender

Name	HEARTLAND BANK
Type	Bank
Address	COLUMBUS, OH 43213

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1088 HENRY ST, ELSMERE, KY 41018-2564
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1088 HENRY ST, ELSMERE, KY 41018-2564

Mortgage

Document Number	0005900074
Date	Oct 14, 2021
Book Page	285/169
Instrument	21101405900074

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,311.00 (+1.32%)	$152,200 (-) Land $20,000 Building $132,200	$152,200 (-) Land $20,000 Building $132,200
2023	$2,281.00	$152,200 Land $20,000 Building $132,200	$152,200 Land $20,000 Building $132,200

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 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.

Nearby Properties on Henry St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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