1230 Central Row Rd, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1230 Central Row Rd, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,271 sqft · built 1920
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$209,000 (Jul 2026)
Tax Bill	$2,220 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-30-00-012.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-00-012.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,271 sqft Finished Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1230 CENTRAL ROW RD
City	ELSMERE
State	KY
Zip	41018-2316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSIDE LOTS 1121-1122 & REAR LOT 1133
Legal Subdivision	WOODSIDE ADDN
Legal Phase	33
Legal Lot Number	1122,11
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	1230 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE ACCEPTANCE
Jun 23, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Prior Sale	Jun 23, 2017 · Amount on Record
Deed Document Number	202614313
Deed Book / Page	457 / 609
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 10, 2026
Property Address	1230 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Document Number	0000014313
Book / Page	457 / 609
Instrument Date	Jun 9, 2026
Instrument	202614313
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,109.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1230 CENTRAL ROW RD, ELSMERE, KY 41018-2316

Mortgage

Document Number	0000014314,
Date	Jul 10, 2026
Instrument	2026071014314

Lender

Name	AMERICAN MORTGAGE ACCEPTANCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

June 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 23, 2017
Property Address	1230 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Document Number	0000000058
Book / Page	0C6187 / 000112
Instrument Date	Jun 16, 2017
Instrument	58
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 12, 2017
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1230 CENTRAL ROW RD ELSMERE KY 410182316, ELSMERE, KY 41018-2316

Mortgage

Document Number	60
Date	Jun 23, 2017
Book Page	0C6187/000115
Instrument	60

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2047

Mortgage

Document Number	61,
Date	Jun 23, 2017
Book Page	0C6187/000129
Instrument	61

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jun 22, 2027

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		$146,200 (-) Land $25,000 Building $121,200	$146,200 (-) Land $25,000 Building $121,200
2025	$2,220.00 (+1.32%)	$146,200 (-) Land $25,000 Building $121,200	$146,200 (-) Land $25,000 Building $121,200
2023	$2,191.00	$146,200 Land $25,000 Building $121,200	$146,200 Land $25,000 Building $121,200

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 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.

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 376 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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