1116 Capitol Ave, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1116 Capitol Ave, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 996 sqft · built 1998
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$144,000 (Aug 2018)
Tax Bill	$2,822 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Mar 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-005.75`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-005.75`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	996 sqft Finished Area
Gross Area	1,096 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1116 CAPITOL AVE
City	ELSMERE
State	KY
Zip	41018-2490
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHBROOK CROSSING SEC 3 LOT 75
Legal Subdivision	ASHBROOK CROSSING
Legal Phase	3
Legal Lot Number	75
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	1116 CAPITOL AVE, ELSMERE, KY 41018-2490
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 20, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Aug 9, 2018	Warranty Deed, Transfer · Conventional with PMI UNION HM MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2018 · Amount on Record
Deed Sale	Aug 9, 2018 · Amount on Record
Prior Sale	Mar 9, 2015 · Amount on Record
Deed Document Number	201808 09 059 00037
Deed Book / Page	6473 / 229
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1116 CAPITOL AVE, ELSMERE, KY 41018-2490
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1116 CAPITOL AVE, ELSMERE, KY 41018-2490

Mortgage

Document Number	0005900247
Date	Oct 5, 2023
Book Page	KCM 497/976
Instrument	23100505900247

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1116 CAPITOL AVE, ELSMERE, KY 41018-2490
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1116 CAPITOL AVE, ELSMERE, KY 41018-2490

Mortgage

Document Number	0005900166
Date	Mar 20, 2023
Book Page	KCM 447/510
Instrument	23032005900166

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 9, 2018
Property Address	1116 CAPITOL AVE, ELSMERE, KY 41018-2490
Document Number	0000000037
Book / Page	ORC647 / 000229
Instrument Date	Aug 1, 2018
Instrument	37
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1116 CAPITOL AVE ELSMERE KY 410182490, ELSMERE, KY 41018-2490

Mortgage

Document Number	41
Date	Aug 9, 2018
Book Page	0C6473/000232
Instrument	41

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2048

Mortgage

Document Number	43,
Date	Aug 9, 2018
Book Page	0C6473/000248
Instrument	43

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 8, 2028

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		$185,800 (-) Land $25,000 Building $160,800	$185,800 (-) Land $25,000 Building $160,800
2025	$2,822.00 (+1.33%)	$185,800 (-) Land $25,000 Building $160,800	$185,800 (-) Land $25,000 Building $160,800
2023	$2,785.00	$185,800 Land $25,000 Building $160,800	$185,800 Land $25,000 Building $160,800

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	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 466 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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