1232 Central Row Rd, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1232 Central Row Rd, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 920 sqft · built 1953
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Apr 2024)
Tax Bill	$2,886 (2025)
Deeds & Mortgages	Apr 2024 Sale & Line of Credit Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-30-00-013.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-00-013.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	920 sqft Finished Area

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Detached
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	1232 CENTRAL ROW RD
City	ELSMERE
State	KY
Zip	41018-2316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSIDE LOTS 1118 THRU 1120 & PT 1133 & 50FT ADJ LOTS 1118 & 1133
Legal Subdivision	WOODSIDE ADDN
Legal Phase	33
Legal Lot Number	1120,11
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2014
Census Tract	65600

Owner

Source: Kenton County records, as of December 2, 2025

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	1232 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2024	Warranty Deed, Transfer · Line of Credit PRIMELENDING
Mar 9, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2024 · Amount on Record
Deed Sale	Apr 5, 2024 · Amount on Record
Prior Sale	Dec 6, 2016 · Amount on Record
Deed Document Number	2024135
Deed Book / Page	278 / 123
Prior Transfer Date	Oct 5, 2021
Prior Transfer Doc	0005900209
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 5, 2024
Property Address	1232 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Document Number	0005900135
Book / Page	KC 278 / 123
Instrument Date	Apr 4, 2024
Instrument	24040505900135
Transaction Type	Transfer
Record Updated	May 20, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1232 CENTRAL ROW RD, ELSMERE, KY 41018-2316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 796788, DALLAS, TX 75379-6788
Mail Care Of	PRIMELENDING A PLAINSCAPITAL COMPANY

Mortgage

Document Number	0005900136
Date	Apr 5, 2024
Instrument	24040505900136

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Mortgage

Document Number	0005900136
Date	Apr 5, 2024
Book Page	KCM 538/631
Instrument	24040505900136

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	18111 PRESTON RD STE 900, DALLAS, TX 75252

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Mar 9, 2022
Property Address	1232 CENTRAL ROW RD, ELSMERE, KY 41018-2316
Document Number	0005900209
Book / Page	152 / 582
Map Reference	PL 344
Instrument Date	Oct 5, 2021
Instrument	22030905900209
Transaction Type	Transfer
Record Updated	May 20, 2024
Title Company	AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1232 CENTRAL ROW RD, ELSMERE, KY 41018-2316

Mortgage

Document Number	0005900210
Date	Mar 9, 2022
Instrument	22030905900210

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	236 Months
Due	Nov 1, 2041

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
2025	$2,886.00 (+12.43%)	$190,000 (+10.92%) Land $40,000 Building $150,000	$190,000 (+10.92%) Land $40,000 Building $150,000
2023	$2,567.00	$171,300 Land $40,000 Building $131,300	$171,300 Land $40,000 Building $131,300

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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 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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