1109 Edwards Rd, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1109 Edwards Rd, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 700 sqft · built 1956
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$173,500 (Feb 2024)
Tax Bill	$2,635 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Feb 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`004-30-00-018.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-00-018.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	700 sqft Finished Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1109 EDWARDS RD
City	ELSMERE
State	KY
Zip	41018-1948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHEPHERDS RESUB LOT 5 OF WOODSIDE 1084-1094 .17 ACS SS EDWARDS
Legal Subdivision	SHEPHERDS RESUB OF WOODSIDE
Legal Lot Number	5
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2014
Census Tract	65600

Owner

Source: Kenton County records, as of August 13, 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	1109 EDWARDS RD, ELSMERE, KY 41018-1948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2024	Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV
Feb 8, 2024	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION
Jan 5, 2023	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC
Jul 9, 2021	Deed of Trust, Mortgage · Line of Credit LAURA MARIE DRESSMAN DRESSMAN TRADITIONA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2024 · Amount on Record
Deed Sale	Feb 8, 2024 · Amount on Record
Prior Sale	Jan 5, 2023 · Amount on Record
Deed Document Number	2024113
Deed Book / Page	268 / 852
Prior Transfer Date	Dec 30, 2022
Prior Transfer Doc	0000000053
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1109 EDWARDS RD, ELSMERE, KY 41018-1948
Transaction Type	Mortgage
Record Updated	Feb 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 EDWARDS RD, ELSMERE, KY 41018-1948

Mortgage

Document Number	0005900115
Date	Feb 8, 2024
Book Page	KCM 525/508
Instrument	24020805900115

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2034

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 8, 2024
Property Address	1109 EDWARDS RD, ELSMERE, KY 41018-1948
Document Number	0005900113
Book / Page	KC 268 / 852
Map Reference	PL 692
Instrument Date	Jan 26, 2024
Instrument	24020805900113
Transaction Type	Transfer
Record Updated	Feb 19, 2024
Title Company	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	120 WILLOW CREEK RD, BUTLER, KY 41006-3500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 EDWARDS RD, ELSMERE, KY 41018-1948

Mortgage

Document Number	0005900114
Date	Feb 8, 2024
Book Page	KCM 525/487
Instrument	24020805900114

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 5, 2023
Property Address	1109 EDWARDS RD, ELSMERE, KY 41018-1948
Document Number	0005900054
Book / Page	207 / 977
Map Reference	PL 692
Instrument Date	Jan 3, 2023
Instrument	23010505900054
Transaction Type	Transfer
Record Updated	Jan 17, 2023
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1111 PLATEAU ST, ELSMERE, KY 41018-2384

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 WILLOW CREEK RD, BUTLER, KY 41006-3500

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1109 EDWARDS RD, ELSMERE, KY 41018-1948
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900124
Date	Jul 9, 2021
Book Page	240/252
Instrument	21070905900124

Lender

Name	LAURA MARIE DRESSMAN DRESSMAN TRADITIONA
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 7, 2022

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
2025	$2,635.00 (+119.77%)	$173,500 (+116.88%) Land $20,000 Building $153,500	$173,500 (+116.88%) Land $20,000 Building $153,500
2023	$1,199.00	$80,000 Land $20,000 Building $60,000	$80,000 Land $20,000 Building $60,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 376 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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