1089 Galvin St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1089 Galvin St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 952 sqft · built 1988
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$156,000 (Dec 2020)
Tax Bill	$2,945 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Aug 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-031.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-031.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	952 sqft Finished Area
Gross Area	1,288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 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

Street Address	1089 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 24
Legal Subdivision	GALVIN-HENRY
Legal Phase	B
Legal Block	B
Legal Lot Number	24
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
Census Tract	65600

Owner

1089 Galvin St is owned and occupied by an individual who bought it in December 2020.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1089 GALVIN ST, ELSMERE, KY 41018-2548
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2020	Warranty Deed, Transfer SUMMIT FNDG
Aug 29, 2017	Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LNDG
Feb 24, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2020 · Amount on File
Deed Sale	Dec 4, 2020 · Amount on File
Prior Sale	Aug 29, 2017 · Amount on File
Deed Document Number	20205900183
Deed Book / Page	59 / 220
Prior Transfer Date	Feb 24, 2017
Prior Transfer Doc	0005900106
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 4, 2020
Property Address	1089 GALVIN ST, ELSMERE, KY 41018-2548
Document Number	0000000083
Book / Page	000059 / 000220
Instrument Date	Nov 30, 2020
Instrument	83
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	AMERICAN HOMELAND TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$16.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 CALVIN ST ELSMERE KY 41018, ELSMERE, KY 41018

Mortgage

Document Number	184
Date	Dec 4, 2020
Book Page	00M136/000169
Instrument	184

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 29, 2017
Property Address	1089 GALVIN ST, ELSMERE, KY 41018-2548
Document Number	0000000106
Book / Page	0C6235 / 000070
Instrument Date	Aug 25, 2017
Instrument	106
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	PRIORITY NATIONAL TITLE SERVICES, PRIORITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 CALVIN ST ELSMERE KY 41018, ELSMERE, KY 41018

Mortgage

Document Number	107
Date	Aug 29, 2017
Book Page	0C6235/000074
Instrument	107

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77098

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2047

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Feb 24, 2017
Property Address	1089 GALVIN ST, ELSMERE, KY 41018-2548
Document Number	0000000106
Book / Page	0C6103 / 000023
Instrument Date	Feb 24, 2017
Instrument	106
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 GALVIN ST ELSMERE KY 410182548, ELSMERE, KY 41018-2548

Tax Assessment & Valuation

The 2025 property tax bill for 1089 Galvin St was $2,945.

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		$193,900 (-) Land $20,000 Building $173,900	$193,900 (-) Land $20,000 Building $173,900
2025	$2,945.00	$193,900 Land $20,000 Building $173,900	$193,900 Land $20,000 Building $173,900
2023	$2,906.00	$193,900 Land $20,000 Building $173,900	$193,900 Land $20,000 Building $173,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1089 Galvin St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1089 Galvin St is low, with less than a 0.01% annual chance of 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 Galvin St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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