1220 Central Row Rd, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1220 Central Row Rd, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,165 sqft · built 1912
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Aug 2022)
Tax Bill	$3,038 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-30-00-010.01`

Property Details

APN / Parcel Number

Primary APN	`004-30-00-010.01`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,165 sqft Finished Area

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Detached
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	1220 CENTRAL ROW RD
City	ELSMERE
State	KY
Zip	41018-2316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSIDE LOTS 1128 THRU 1130 & 1/2 PORTION CLOSED R,W ABUTTING 1128
Legal Subdivision	WOODSIDE ADDN
Legal Phase	30
Legal Lot Number	1128-11
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2014
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	1220 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Aug 24, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage GOLDEN EMPIRE MORTGAGE INC
Oct 31, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage FIFTH THIRD BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Prior Sale	Jul 27, 2022 · Amount on Record
Deed Document Number	2022241
Deed Book / Page	182 / 759
Prior Transfer Date	Jul 21, 2022
Prior Transfer Doc	0000000372
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 10, 2022
Property Address	1220 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Document Number	0005900241
Book / Page	182 / 759
Map Reference	PL 344
Instrument Date	Aug 5, 2022
Instrument	22081005900241
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	560 PHARAGE FLOOD, FORT MITCHELL, KY 41017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 CENTRAL ROW RD, ELSMERE, KY 41018-2316

Mortgage

Document Number	0005900242
Date	Aug 10, 2022
Instrument	22081005900242

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 24, 2021
Property Address	1220 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Document Number	0005900182
Book / Page	113 / 328
Map Reference	PL 344
Instrument Date	Aug 16, 2021
Instrument	21082405900182
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7470 HOPEFUL RD, FLORENCE, KY 41042-9728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 ORPHANAGE RD, FT MITCHELL, KY 41017-3128
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900183
Date	Aug 24, 2021
Book Page	261/709
Instrument	21082405900183

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	LOUISVILLE, KY 40207

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 16, 2022

October 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Oct 31, 2019
Property Address	1220 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Document Number	0000000178
Book / Page	0C6792 / 000205
Instrument Date	Oct 25, 2019
Instrument	178
Transaction Type	Mortgage
Record Updated	Nov 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1220 CENTRAL ROW RD ELSMERE KY 410182316, ELSMERE, KY 41018-2316

Mortgage

Document Number	179
Date	Oct 31, 2019
Book Page	0C6792/000209
Instrument	179

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

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		$200,000 (-) Land $30,000 Building $170,000	$200,000 (-) Land $30,000 Building $170,000
2025	$3,038.00 (+1.33%)	$200,000 (-) Land $30,000 Building $170,000	$200,000 (-) Land $30,000 Building $170,000
2023	$2,998.00	$200,000 Land $30,000 Building $170,000	$200,000 Land $30,000 Building $170,000

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 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.

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 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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