1300 Central Row Rd, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1300 Central Row Rd, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,596 sqft · built 1929
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,000 (Jun 2026)
Tax Bill	$2,785 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`004-30-00-026.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-00-026.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,596 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	154 ft deep x 100 ft wide
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	1300 CENTRAL ROW RD
City	ELSMERE
State	KY
Zip	41018-2318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSIDE LOTS 1175 THRU 1178
Legal Subdivision	WOODSIDE ADDN
Legal Phase	8
Legal Lot Number	1175
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	2 Individual Names on Record
Mailing Address	1300 CENTRAL ROW RD, ELSMERE, KY 41018-2318
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 10, 2021	Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV
May 10, 2021	Warranty Deed, Transfer · FHA Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Sep 10, 2018	Warranty Deed, Transfer · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2026 · Amount on Record
Deed Sale	Jun 24, 2026 · Amount on Record
Prior Sale	May 10, 2021 · Amount on Record
Deed Document Number	202612998
Deed Book / Page	449 / 267
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 24, 2026
Property Address	1300 CENTRAL ROW RD, ELSMERE, KY 41018-2318
Document Number	0000012998
Book / Page	449 / 267
Instrument Date	Jun 2, 2026
Instrument	202612998
Transaction Type	Transfer
Record Updated	Jul 27, 2026
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,099.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	1300 CENTRAL ROW RD, ELSMERE, KY 41018-2318

Mortgage

Document Number	0000012999,
Date	Jun 24, 2026
Instrument	2026062412999

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1300 CENTRAL ROW RD, ELSMERE, KY 41018-2318
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1300 CENTRAL ROW RD, ELSMERE, KY 41018-2318

Mortgage

Document Number	0005900219
Date	May 10, 2021
Book Page	213/395
Instrument	21051005900219

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2031

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 10, 2021
Property Address	1300 CENTRAL ROW RD, ELSMERE, KY 41018-2318
Document Number	0005900217
Book / Page	89 / 472
Instrument Date	Apr 30, 2021
Instrument	21051005900217
Transaction Type	Transfer
Record Updated	May 21, 2021
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	83 PLEASANT RIDGE AVE, 83, FORT MITCHELL, KY 41017-2861

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1300 CENTRAL ROW RD, ELSMERE, KY 41018-2318

Mortgage

Document Number	0005900218
Date	May 10, 2021
Book Page	213/376
Instrument	21051005900218

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 10, 2018
Property Address	1300 CENTRAL ROW RD, ELSMERE, KY 41018-2318
Document Number	0000000056
Book / Page	0C6497 / 000246
Instrument Date	Jul 11, 2018
Instrument	56
Transaction Type	Transfer
Record Updated	Oct 3, 2018
Title Company	BRB TRUST TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1300 CENTRAL ROW RD ELSMERE KY 410182318, ELSMERE, KY 41018-2318

Mortgage

Document Number	57
Date	Sep 10, 2018
Book Page	0C6497/000249
Instrument	57

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2048

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		$183,400 (-) Land $35,000 Building $148,400	$183,400 (-) Land $35,000 Building $148,400
2025	$2,785.00 (+1.31%)	$183,400 (-) Land $35,000 Building $148,400	$183,400 (-) Land $35,000 Building $148,400
2023	$2,749.00	$183,400 Land $35,000 Building $148,400	$183,400 Land $35,000 Building $148,400

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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