Kenton County property record for 109 Garvey Ave, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,022 sqft · built 1934 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Dec 2018) |
| Tax Bill | $1,769 (2025) |
| Deeds & Mortgages | Dec 2018 Transfer Dec 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-21-007.00 |
| Primary APN | 003-40-21-007.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,022 sqft Finished Area |
| Year Built | Built 1934 |
|---|---|
| Effective Year Built | Effective 1934 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 149 ft deep x 48 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 109 GARVEY AVE |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOT 1702 & N-1/2 1703 & S 10' LOT 1701 |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 1702,17 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 65700 |
109 Garvey Ave is owned and occupied by two individuals who bought it in December 2018.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 GARVEY AVE, ELSMERE, KY 41018-2110 |
| 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.
| Date | Document |
|---|---|
| Dec 17, 2018 | Affidavit of Death, Transfer OTHER |
| Dec 17, 2018 | Warranty Deed, Transfer · Conventional with PMI BRANCH BK&TR |
| Aug 9, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2018 · Amount on File |
| Deed Sale | Dec 17, 2018 · Amount on File |
| Prior Sale | Aug 9, 2018 · Amount on File |
| Deed Document Number | 201812 17 059 00110 |
| Deed Book / Page | 6564 / 292 |
| Prior Transfer Date | Dec 11, 2018 |
| Prior Transfer Doc | 0005900109 |
| Record Updated | Oct 29, 2026 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 17, 2018 |
| Property Address | 109 GARVEY AVE, ELSMERE, KY 41018-2110 |
| Document Number | 0000000109 |
| Book / Page | 0C6564 / 000290 |
| Instrument Date | Dec 11, 2018 |
| Instrument | 109 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 GARVEY AVE ELSMERE KY 410182110, ELSMERE, KY 41018-2110 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 17, 2018 |
| Property Address | 109 GARVEY AVE, ELSMERE, KY 41018-2110 |
| Document Number | 0000000110 |
| Book / Page | 0C6564 / 000292 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 110 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2018 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $115.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 109 GARVEY AVE ELSMERE KY 410182110, ELSMERE, KY 41018-2110 |
| Document Number | 111 |
|---|---|
| Date | Dec 17, 2018 |
| Book Page | 0C6564/000296 |
| Instrument | 111 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WINSTON-SALEM, NC 27101 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 16, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 9, 2018 |
| Property Address | 109 GARVEY AVE, ELSMERE, KY 41018-2110 |
| Document Number | 0000000101 |
| Book / Page | 0C6474 / 000042 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 101 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1190 GARDNERSVILLE RD CRITTENDEN KY 410308316, CRITTENDEN, KY 41030-8316 |
The 2025 property tax bill for 109 Garvey Ave was $1,769 with a homeowner's exemption.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $165,600 (-) Land $20,000 Building $145,600 | $165,600 (-) Land $20,000 Building $145,600 | |
| 2025 | $1,769.00 Homeowner's exemption | $165,600 Land $20,000 Building $145,600 | $165,600 Land $20,000 Building $145,600 |
| 2023 | $2,482.00 | $165,600 Land $20,000 Building $145,600 | $165,600 Land $20,000 Building $145,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Garvey Ave 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 risk around 109 Garvey Ave 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 99.1% of the US · lower than 99.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 558 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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