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  5. Capitol Ave

1124 Capitol Ave, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1124 Capitol Ave, Elsmere, KY 41018

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,026 sqft · built 1996
Lot Size0.68 acres (29,621 sqft)
OwnerIndividual Name on File
Last Sale$158,000 (May 2019)
Tax Bill$3,322 (2025)
Deeds & MortgagesNov 2021 Mortgage
May 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN016-10-00-005.73

Property Details

APN / Parcel Number

Primary APN016-10-00-005.73

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,026 sqft Finished Area
Gross Area1,146 sqft

Exterior

Year BuiltBuilt 1996
Architectural StyleBi-Level
Exterior MaterialBrick
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area29,621 sqft (0.68 acres)
Garage TypeBasement
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas
SewerConnected

Location & Zoning

Old Parcel Number0161000005.73
Street Address1124 CAPITOL AVE
CityELSMERE
StateKY
Zip41018-2490
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionASHBROOK CROSSING SEC 3 LOT 73
Legal SubdivisionASHBROOK CROSSING
Legal Phase3
Legal Lot Number73
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group3
Census Block3014
Census Tract65600

Owner

Source: Kenton County records · APN 016-10-00-005.73

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1124 CAPITOL AVE, ELSMERE, KY 41018-2490
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 02, 2021Deed of Trust, Mortgage
GUARDIAN SAVINGS BANK
May 02, 2019Warranty Deed, Transfer · Conventional with PMI
BAYSHORE MTG FNDG
Mar 17, 2017Warranty Deed, Transfer · Conventional with PMI
OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 02, 2019 · Amount on Record
Deed SaleMay 02, 2019 · Amount on Record
Prior SaleMar 17, 2017 · Amount on Record
Deed Document Number0006652152
Deed Book / Page6652 / 152
Record UpdatedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address1124 CAPITOL AVE, ELSMERE, KY 41018-2490
Transaction TypeMortgage
Record UpdatedNov 15, 2021
Title CompanyPROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900076
DateNov 02, 2021
Book Page294/890
Instrument21110205900076
Lender
NameGUARDIAN SAVINGS BANK
TypeBank
AddressCINCINNATI, OH 45239
Agreement
AmountAmount Recorded
Term240 Months
DueNov 01, 2041

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMay 02, 2019
Property Address1124 CAPITOL AVE, ELSMERE, KY 41018-2490
Document Number0000000178
Book / Page0C6652 / 000152
Instrument DateApr 30, 2019
Instrument178
Transaction TypeTransfer
Record UpdatedMay 15, 2019
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$158.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1124 CAPITOL AVE ELSMERE KY 410182490, ELSMERE, KY 41018-2490

Mortgage

Document Number180
DateMay 02, 2019
Book Page0C6652/000155
Instrument180
Lender
NameBAYSHORE MTG FNDG
TypeMortgage Company
AddressLUTHERVILLE-TIMONIUM, MD 21093
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueMay 01, 2049

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMar 17, 2017
Property Address1124 CAPITOL AVE, ELSMERE, KY 41018-2490
Document Number0000000043
Book / Page0C6117 / 000184
Instrument DateMar 15, 2017
Instrument43
Transaction TypeTransfer
Record UpdatedAug 18, 2018
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$136.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1124 CAPITOL AVE ELSMERE KY 410182490, ELSMERE, KY 41018-2490

Mortgage

Document Number44
DateMar 17, 2017
Book Page0C6117/000187
Instrument44
Lender
NameOTHER INSTITUTIONAL LENDERS
TypeMortgage Company
AddressCINCINNATI, OH 45247
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueMar 16, 2047

Mortgage

Document Number46,
DateMar 17, 2017
Book Page0C6117/000203
Instrument46
Lender
NameKENTUCKY HSNG
AddressFRANKFORT, KY 40601
Agreement
AmountAmount Recorded
Term60 Months
DueMar 16, 2022

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityElsmere City
Unified School DistrictErlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,322.00 (+1.34%)$218,700 (-) Land $45,000 Building $173,700$218,700 (-) Land $45,000 Building $173,700
2023$3,278.00$218,700 Land $45,000 Building $173,700$218,700 Land $45,000 Building $173,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cincinnati Bell
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
AT&T
Fixed Wireless		100 / 20
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: Verizon.

Based on FCC filings for 527 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY0590220, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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