1400 Central Row Rd, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1400 Central Row Rd, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,418 sqft · built 1963
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Jun 2026)
Tax Bill	$1,225 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-30-00-036.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-00-036.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,418 sqft Finished Area

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Carport
Carport	Carport
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	1400 CENTRAL ROW RD
City	ELSMERE
State	KY
Zip	41018-2320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSIDE LOTS 1163 THRU 1168 INC
Legal Subdivision	WOODSIDE ADDN
Legal Phase	8
Legal Lot Number	1163
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1400 CENTRAL ROW RD, ELSMERE, KY 41018-2320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Deed Document Number	202613347
Deed Book / Page	451 / 951
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 29, 2026
Property Address	1400 CENTRAL ROW RD, ELSMERE, KY 41018-2320
Document Number	0000013347
Book / Page	451 / 951
Instrument Date	Jun 12, 2026
Instrument	202613347
Transaction Type	Transfer
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$23,230.00
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	Right of Survivorship
Address	1400 CENTRAL ROW RD, ELSMERE, KY 41018-2320

Mortgage

Document Number	0000013348,
Date	Jun 29, 2026
Instrument	2026062913348

Lender

Name	STOCKTON MORTGAGE

Agreement

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

Interest

Rate	6.36%
Max Rate	-1%

Mortgage

Document Number	0000013349,
Date	Jun 29, 2026
Book Page	451/975
Instrument	202613349

Lender

Name	KENTUCKY HOUSING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	15 Months
Due	Jul 1, 2041

Interest

Rate	6.36%
Max Rate	-1%

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		$129,800 (-) Land $40,000 Building $89,800	$129,800 (-) Land $40,000 Building $89,800
2025	$1,225.00 (-2%) Homeowner's exemption	$129,800 (-) Land $40,000 Building $89,800	$129,800 (-) Land $40,000 Building $89,800
2023	$1,250.00 Homeowner's exemption	$129,800 Land $40,000 Building $89,800	$129,800 Land $40,000 Building $89,800

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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