1231 Central Row Rd, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1231 Central Row Rd, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,115 sqft · built 1949
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,343 (2025)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-01-189.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-01-189.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,115 sqft Finished Area
Gross Area	1,339 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1231 CENTRAL ROW RD
City	ELSMERE
State	KY
Zip	41018-2315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSIDE LOTS 1049-1050
Legal Subdivision	WOODSIDE ADDN
Legal Lot Number	1049-10
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2015
Census Tract	65600

Owner

Source: Kenton County records · APN 016-10-01-189.00

Assessment roll updated December 2, 2025 · Last verified April 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 File
Mailing Address	1231 CENTRAL ROW RD, ELSMERE, KY 41018-2315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 09, 2012
Deed Sale	Apr 09, 2012
Prior Sale	Sep 22, 2000 · Amount on Record
Deed Document Number	201204 09 059 00160
Deed Book / Page	4814 / 279
Prior Transfer Date	Feb 23, 2012
Prior Transfer Doc	0005900160
Record Updated	Jun 08, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1231 CENTRAL ROW RD, ELSMERE, KY 41018-2315
Document Number	0000000156
Book / Page	0C6106 / 000111
Instrument Date	Feb 06, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1231 CENTRAL ROW RD ELSMERE KY 410182315, ELSMERE, KY 41018-2315

Mortgage

Document Number	0000000156
Date	Mar 01, 2017
Book Page	0C6106/000111
Instrument	156

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2047

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

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	$2,343.00 (+1.34%)	$154,300 (-) Land $20,000 Building $134,300	$154,300 (-) Land $20,000 Building $134,300
2023	$2,312.00	$154,300 Land $20,000 Building $134,300	$154,300 Land $20,000 Building $134,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 527 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.