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1228 Central Row Rd, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1228 Central Row Rd, Elsmere, KY 41018 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 1 ba · 1,040 sqft · built 1920
Lot Size0.239 acres (10,454 sqft)
OwnerIndividual Name on File
Last Sale$188,000 (Jul 2022)
Tax Bill$2,855 (2025)
Deeds & MortgagesJul 2022 Sale & Mortgage
Jun 2022 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN004-30-00-011.00

Property Details

APN / Parcel Number

Primary APN004-30-00-011.00

Interior

Bedrooms4 Beds
Full Baths1 Bath
Building Area1,040 sqft Finished Area
Stories2 Stories

Exterior

Year BuiltBuilt 1920
Exterior MaterialAluminum/Vinyl
Foundation TypeBlock
Roof MaterialComposition Shingle
Lot Area10,454 sqft (0.239 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas
SewerConnected

Location & Zoning

Old Parcel Number0043000011.00
Street Address1228 CENTRAL ROW RD
CityELSMERE
StateKY
Zip41018-2316
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWOODSIDE LOTS 1131-1132
Legal SubdivisionWOODSIDE ADDN
Legal Phase2
Legal Lot Number1131-11 1124
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group2
Census Block2014
Census Tract65600

Owner

Source: Kenton County records · APN 004-30-00-011.00

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1228 CENTRAL ROW RD, ELSMERE, KY 41018-2316
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 28, 2022Warranty Deed, Transfer · FHA Mortgage
EVERETT FINANCIAL INC
Jun 03, 2022Quit Claim Deed, Transfer
Quitclaim
Apr 13, 2022Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 28, 2022 · Amount on Record
Deed SaleJul 28, 2022 · Amount on Record
Prior SaleJun 03, 2022
Deed Document Number0000179707
Deed Book / Page179 / 707
Record UpdatedJun 08, 2026

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJul 28, 2022
Property Address1228 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Document Number0005900021
Book / Page179 / 707
Map ReferencePL 344
Instrument DateJul 13, 2022
Instrument22072805900021
Transaction TypeTransfer
Record UpdatedJan 05, 2024
Title CompanyAMERICAN HOMELAND TITLE AGCY

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address117 HONEYSUCKLE DR, FLORENCE, KY 41042-2139

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address1228 CENTRAL ROW RD, ELSMERE, KY 41018-2316

Mortgage

Document Number0005900022
DateJul 28, 2022
Instrument22072805900022
Lender
NameEVERETT FINANCIAL INC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2052

Mortgage

Document Number0005900023
DateJul 28, 2022
Book Page392/225
Instrument22072805900023
Lender
NameEVERETT FINANCIAL INC
TypeFunding / Finance Company
AddressDALLAS, TX 75254
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2052

June 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateJun 03, 2022
Property Address1228 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Document Number0005900229
Book / Page169 / 317
Map ReferencePL 344
Instrument DateMay 26, 2022
Instrument22060305900229
Transaction TypeTransfer
Record UpdatedJan 05, 2024

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1511 JOLEE DR, HEBRON, KY 41048-9515

Transferred To (Grantee/Buyer)

NameVerified Name
Address1228 CENTRAL ROW RD, ELSMERE, KY 41018-2316

April 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateApr 13, 2022
Property Address1228 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Document Number0005900108
Book / Page159 / 468
Map ReferencePL 344
Instrument DateMar 18, 2022
Instrument22041305900108
Transaction TypeTransfer
Record UpdatedJan 05, 2024

Transaction

AmountAmount Recorded
Tax$15.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1228 CENTRAL ROW RD, ELSMERE, KY 41018-2316

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address1511 JOLEE DR, HEBRON, KY 41048-9515

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$2,855.00 (+1.31%)$188,000 (-) Land $20,000 Building $168,000$188,000 (-) Land $20,000 Building $168,000
2023$2,818.00$188,000 Land $20,000 Building $168,000$188,000 Land $20,000 Building $168,000

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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