120 Walnut St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 120 Walnut St, Elsmere, KY 41018 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 825 sqft · built 1961
Lot Size	0.376 acres (16,400 sqft)
Owner	Individual Name on File
Last Sale	$146,650 (Sep 2021)
Tax Bill	$2,226 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-30-11-011.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-11-011.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	825 sqft Finished Area

Exterior

Year Built	Built 1961
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	16,400 sqft
Lot Dimensions	164 ft deep x 100 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	0043011011.00
Street Address	120 WALNUT ST
City	ELSMERE
State	KY
Zip	41018-1943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRVIEW LOTS 95-96 100'X 164' IRREG
Legal Subdivision	FAIRVIEW ELSMERE
Legal Lot Number	95-96 96
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1026
Census Tract	65700

Owner

Source: Kenton County records · APN 004-30-11-011.00

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 Record	Individual Name on File
Mailing Address	120 WALNUT ST, ELSMERE, KY 41018-1943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
May 16, 2018	Deed of Trust, Mortgage · Conventional with PMI FIRST BK & TR CO
Mar 13, 2017	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Prior Sale	Mar 13, 2017 · Amount on Record
Deed Document Number	0000120270
Deed Book / Page	120 / 270
Record Updated	Jun 08, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 24, 2021
Property Address	120 WALNUT ST, ELSMERE, KY 41018-1943
Document Number	0005900306
Book / Page	120 / 270
Map Reference	PL 86
Instrument Date	Sep 16, 2021
Instrument	21092405900306
Transaction Type	Transfer
Record Updated	Oct 06, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$147.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1212 CHICKADEE CT, 1212, EDGEWOOD, KY 41018-2605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 WALNUT ST, ELSMERE, KY 41018-1943

Mortgage

Document Number	0005900307
Date	Sep 24, 2021
Instrument	21092405900307

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	120 WALNUT ST, ELSMERE, KY 41018-1943
Document Number	0000000026
Instrument Date	May 16, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018
Title Company	KENTUCKY LAND TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120 WALNUT ST ELSMERE KY 410181943, ELSMERE, KY 41018-1943

Mortgage

Document Number	0000000026
Date	May 18, 2018
Book Page	0C6413/000098
Instrument	26

Lender

Name	FIRST BK & TR CO
Address	MURPHYSBORO, IL 62966

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	May 17, 2038

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 13, 2017
Property Address	120 WALNUT ST, ELSMERE, KY 41018-1943
Document Number	0000000051
Book / Page	0C6114 / 000095
Instrument Date	Feb 09, 2017
Instrument	51
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$58.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1212 CHICKADEE CT EDGEWOOD KY 410182605, EDGEWOOD, KY 41018-2605

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,226.00 (+1.32%)	$146,600 (-) Land $35,000 Building $111,600	$146,600 (-) Land $35,000 Building $111,600
2023	$2,197.00	$146,600 Land $35,000 Building $111,600	$146,600 Land $35,000 Building $111,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 376 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Cincinnati Bell, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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