1091 Galvin St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1091 Galvin St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 748 sqft · built 1980
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$197,500 (Feb 2022)
Tax Bill	$3,000 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-030.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-030.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	748 sqft Finished Area
Gross Area	908 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Bi-Level
Exterior Material	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	1091 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 25
Legal Subdivision	GALVIN-HENRY
Legal Phase	B
Legal Block	B
Legal Lot Number	25
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1091 GALVIN ST, ELSMERE, KY 41018-2548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2022	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Jan 17, 2020	Warranty Deed, Transfer · Conventional with PMI HUNTINGTON NAT'L BK
Feb 14, 2019	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2022 · Amount on Record
Deed Sale	Feb 18, 2022 · Amount on Record
Prior Sale	Jan 17, 2020 · Amount on Record
Deed Document Number	2022211
Deed Book / Page	149 / 260
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 18, 2022
Property Address	1091 GALVIN ST, ELSMERE, KY 41018-2548
Document Number	0005900211
Book / Page	149 / 260
Map Reference	PL 1186
Instrument Date	Feb 15, 2022
Instrument	22021805900211
Transaction Type	Transfer
Record Updated	Mar 4, 2022
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2125 OLEANDER DR, 2125, LEXINGTON, KY 40504-3232

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1091 GALVIN ST, ELSMERE, KY 41018-2548

Mortgage

Document Number	0005900212
Date	Feb 18, 2022
Instrument	22021805900212

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 17, 2020
Property Address	1091 GALVIN ST, ELSMERE, KY 41018-2548
Document Number	0000000128
Book / Page	000003 / 000032
Instrument Date	Jan 15, 2020
Instrument	128
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$141.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1091 GALVIN ST ELSMERE KY 410182548, ELSMERE, KY 41018-2548

Mortgage

Document Number	129
Date	Jan 17, 2020
Book Page	0000M4/000683
Instrument	129

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2050

February 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Feb 14, 2019
Property Address	1091 GALVIN ST, ELSMERE, KY 41018-2548
Document Number	0000000025
Book / Page	0C6599 / 000321
Instrument Date	Feb 4, 2019
Instrument	25
Transaction Type	Foreclosure
Record Updated	Feb 25, 2019

Transaction

Amount	Amount Recorded
Tax	$69.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	723 TOWER PL COVINGTON KY 410113941, COVINGTON, KY 41011-3941

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		$197,500 (-) Land $20,000 Building $177,500	$197,500 (-) Land $20,000 Building $177,500
2025	$3,000.00 (+1.35%)	$197,500 (-) Land $20,000 Building $177,500	$197,500 (-) Land $20,000 Building $177,500
2023	$2,960.00	$197,500 Land $20,000 Building $177,500	$197,500 Land $20,000 Building $177,500

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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