Kenton County property record for 1216 Central Row Rd, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,008 sqft · built 1974 |
| Lot Size | 0.296 acres (12,911 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,760 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-00-008.00 |
| Primary APN | 004-30-00-008.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,008 sqft Finished Area |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 12,911 sqft (0.296 acres) |
| Lot Dimensions | 174 ft deep x 74.2 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1216 CENTRAL ROW RD |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODSIDE LOTS 1056-1057 & PT LOTS 1053-1054-1055-1058 74.20X174.03X68X144.30' |
| Legal Subdivision | WOODSIDE ADDN |
| Legal Phase | 5 |
| Legal Lot Number | 57,53 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2014 |
| 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 | 1216 CENTRAL ROW RD, ELSMERE, KY 41018-2316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 29, 2026 |
| Property Address | 1216 CENTRAL ROW RD, ELSMERE, KY 41018-2316 |
| Document Number | 0000022095 |
| Book / Page | 504 / 325 |
| Instrument Date | Sep 17, 2026 |
| Instrument | 202692922095 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1216 CENTRAL ROW RD, ELSMERE, KY 41018-2316 |
| Investor | Possibly a Property Investor |
| Document Number | 0000022095, |
|---|---|
| Date | Sep 29, 2026 |
| Book Page | 504/325 |
| Instrument | 202692922095 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $165,000 (-) Land $35,000 Building $130,000 | $165,000 (-) Land $35,000 Building $130,000 | |
| 2025 | $1,760.00 (-0.96%) Homeowner's exemption | $165,000 (-) Land $35,000 Building $130,000 | $165,000 (-) Land $35,000 Building $130,000 |
| 2023 | $1,777.00 Homeowner's exemption | $165,000 Land $35,000 Building $130,000 | $165,000 Land $35,000 Building $130,000 |
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 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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.
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 527 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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