Kenton County property record for 1146 Edwards Rd, Elsmere, KY 41018
| Property Type | Other Improved |
|---|---|
| Details | built 2024 |
| Lot Size | 1.32 acres (57,848 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $20,000 (Jun 2018) |
| Tax Bill | $3,604 (2025) |
| Deeds & Mortgages | Jun 2022 Construction Loan Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-00-048.00 |
| Primary APN | 004-30-00-048.00 |
|---|
| Stories | 1 Story |
|---|
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Lot Area | 57,848 sqft (1.32 acres) |
| Cooling System | Central |
|---|
| Street Address | 1146 EDWARDS RD |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1904 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | 1.328 AC NS EDWARDS RD EXTENSION (REMAINDER SURVEY 11-29-16) |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 65600 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4 EAGLE DR, ELSMERE, KY 41018-1947 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2022 | Deed of Trust, Mortgage · Construction Mortgage THE FEDERAL SAVINGS BANK |
| Jun 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Jun 5, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2018 · Amount on Record |
| Deed Sale | Jun 5, 2018 · Amount on Record |
| Deed Document Number | 201806 05 059 00084 |
| Deed Book / Page | 6424 / 104 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1146 EDWARDS RD, ELSMERE, KY 41018-1904 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4 EAGLE DR, ELSMERE, KY 41018-1947 |
| Document Number | 0005900067 |
|---|---|
| Date | Jun 30, 2022 |
| Book Page | 174/214 |
| Instrument | 22063005900067 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 31, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1146 EDWARDS RD, ELSMERE, KY 41018-1904 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0005900066 |
|---|---|
| Date | Jun 30, 2022 |
| Book Page | 384/777 |
| Instrument | 22063005900066 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 1, 2023 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 5, 2018 |
| Property Address | 1146 EDWARDS RD, ELSMERE, KY 41018-1904 |
| Document Number | 0000000084 |
| Book / Page | 0C6424 / 000104 |
| Instrument Date | Jun 4, 2018 |
| Instrument | 84 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $20.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4 EAGLE DR ELSMERE KY 410181947, ELSMERE, KY 41018-1947 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $237,300 (-) Land $20,000 Building $217,300 | $237,300 (-) Land $20,000 Building $217,300 | |
| 2025 | $3,604.00 (+1,105.35%) | $237,300 (+1,086.5%) Land $20,000 Building $217,300 | $237,300 (+1,086.5%) Land $20,000 Building $217,300 |
| 2023 | $299.00 | $20,000 Land $20,000 | $20,000 Land $20,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 485 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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