11 Cobbler Ct, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 11 Cobbler Ct, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,218 sqft · built 1965
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$242,900 (Jan 2024)
Tax Bill	$2,892 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-20-03-005.00`

Property Details

APN / Parcel Number

Primary APN	`016-20-03-005.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,218 sqft Finished Area
Gross Area	1,559 sqft

Exterior

Year Built	Built 1965
Architectural Style	Split Level
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	173 ft deep x 60 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0162003005.00
Street Address	11 COBBLER CT
City	ELSMERE
State	KY
Zip	41018-2744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TURKEYFOOT ACRES BLK A LOT 31
Legal Subdivision	TURKEYFOOT ACRES
Legal Phase	A
Legal Block	A
Legal Lot Number	31
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1020
Census Tract	63607

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	Individual Name on Record
Mailing Address	11 COBBLER CT, ELSMERE, KY 41018-2744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Warranty Deed, Transfer · FHA Mortgage US BANK NA
Oct 16, 2020	Grant Deed, Transfer · Conventional Mortgage FIFTH THIRD BK NA
Oct 9, 2020	Deed of Trust, Mortgage · Conventional with PMI FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2024 · Amount on Record
Deed Sale	Jan 11, 2024 · Amount on Record
Prior Sale	Oct 16, 2020 · Amount on Record
Deed Document Number	0000026521
Deed Book / Page	265 / 21
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 11, 2024
Property Address	11 COBBLER CT, ELSMERE, KY 41018-2744
Document Number	0005900125
Book / Page	KC 265 / 21
Map Reference	PL 833
Instrument Date	Jan 5, 2024
Instrument	24011105900125
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	AMERICAN HOMELAND TITLE AGCY

Transaction

Amount	Amount Recorded
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	1876 OLDE TREE DR, FLORENCE, KY 41042-4219

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11 COBBLER CT, ELSMERE, KY 41018-2744
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900126
Date	Jan 11, 2024
Instrument	24011105900126

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Mortgage

Document Number	0005900127
Date	Jan 11, 2024
Book Page	KCM 519/968
Instrument	24011105900127

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2034

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Oct 16, 2020
Property Address	11 COBBLER CT, ELSMERE, KY 41018-2744
Document Number	0000000124
Book / Page	000050 / 000009
Instrument Date	Oct 9, 2020
Instrument	124
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$163.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11 COBBLER CT ELSMERE KY 410182744, ELSMERE, KY 41018-2744

Mortgage

Document Number	125
Date	Oct 16, 2020
Book Page	00M112/000898
Instrument	125

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	11 COBBLER CT, ELSMERE, KY 41018-2744
Document Number	0000000125
Instrument Date	Oct 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 COBBLER CT ELSMERE KY 410182744, ELSMERE, KY 41018-2744

Mortgage

Document Number	0000000125
Date	Oct 16, 2020
Book Page	00M112/000898
Instrument	125

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2050

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	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,892.00 (+12.09%)	$242,900 (+19.19%) Land $25,000 Building $217,900	$242,900 (+19.19%) Land $25,000 Building $217,900
2023	$2,580.00	$203,800 Land $25,000 Building $178,800	$203,800 Land $25,000 Building $178,800

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 249 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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