1109 Central Row Rd, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1109 Central Row Rd, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,188 sqft · built 1945
Lot Size	0.226 acres (9,875 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Apr 2018)
Tax Bill	$2,097 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`016-10-01-135.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-01-135.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,188 sqft Finished Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	9,875 sqft (0.226 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0161001135.00
Street Address	1109 CENTRAL ROW RD
City	ELSMERE
State	KY
Zip	41018-2313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSIDE LOTS 859-860-861 & PT 858 ES CENTRAL ROW 0.2267 AC
Legal Subdivision	WOODSIDE ADDN
Legal Phase	58
Legal Lot Number	61,8 860
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2016
Census Tract	65600

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	1109 CENTRAL ROW RD, ELSMERE, KY 41018-2313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Apr 20, 2018	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2018 · Amount on Record
Deed Sale	Apr 20, 2018 · Amount on Record
Prior Sale	Sep 16, 2005 · Amount on Record
Deed Document Number	0006393272
Deed Book / Page	6393 / 272
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1109 CENTRAL ROW RD, ELSMERE, KY 41018-2313
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900214
Date	Dec 9, 2021
Book Page	313/10
Instrument	21120905900214

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2047

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 20, 2018
Property Address	1109 CENTRAL ROW RD, ELSMERE, KY 41018-2313
Document Number	0000000023
Book / Page	0C6393 / 000272
Instrument Date	Apr 18, 2018
Instrument	23
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$85.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 CENTRAL ROW RD ELSMERE KY 410182313, ELSMERE, KY 41018-2313

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	Erlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,097.00 (-25.27%) Disabled Person's exemption	$187,200 (-) Land $25,000 Building $162,200	$187,200 (-) Land $25,000 Building $162,200
2023	$2,806.00	$187,200 Land $25,000 Building $162,200	$187,200 Land $25,000 Building $162,200

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 97% of the US · lower than 97.3% 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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