1097 Galvin St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1097 Galvin St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,092 sqft · built 1982
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$191,000 (Oct 2025)
Tax Bill	$2,131 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-027.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-027.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,092 sqft Finished Area
Gross Area	1,172 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	150 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	1097 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 28
Legal Subdivision	GALVIN-HENRY
Legal Phase	B
Legal Block	B
Legal Lot Number	28
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	Individual Name on Record
Mailing Address	1097 GALVIN ST, ELSMERE, KY 41018-2548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 3, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 6, 2025	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Prior Sale	Aug 20, 2025 · Amount on Record
Deed Document Number	202538
Deed Book / Page	366 / 886
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1097 GALVIN ST, ELSMERE, KY 41018-2548
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900196
Date	Mar 16, 2021
Book Page	184/189
Instrument	21031605900196

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	294 Months
Due	Sep 1, 2045

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1097 GALVIN ST, ELSMERE, KY 41018-2548
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 GALVIN ST, ELSMERE, KY 41018-2548

Mortgage

Document Number	0005900051
Date	Feb 3, 2025
Book Page	KCM 622/62
Instrument	25020305900051

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	247 Months
Due	Sep 1, 2045

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 6, 2025
Property Address	1097 GALVIN ST, ELSMERE, KY 41018-2548
Document Number	0005900038
Book / Page	KC 366 / 886
Map Reference	PL 1186
Instrument Date	Oct 1, 2025
Instrument	25100605900038
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	360 AMERICAN TITLE SERVICES

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	720 E PETE ROSE WAY # WAY355, WAY355, CINCINNATI, OH 45202-3579

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 GALVIN ST, ELSMERE, KY 41018-2548

Mortgage

Document Number	0005900039
Date	Oct 6, 2025
Instrument	25100605900039

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

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		$191,000 (+36.14%) Land $15,000 Building $176,000	$191,000 (+36.14%) Land $15,000 Building $176,000
2025	$2,131.00 (-1.02%)	$140,300 (-) Land $15,000 Building $125,300	$140,300 (-) Land $15,000 Building $125,300
2024	$2,153.00 (+2.38%)	$140,300 (-) Land $15,000 Building $125,300	$140,300 (-) Land $15,000 Building $125,300
2023	$2,103.00	$140,300 Land $15,000 Building $125,300	$140,300 Land $15,000 Building $125,300

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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