1427 Plateau St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1427 Plateau St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,108 sqft · built 1996
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Sep 2025)
Tax Bill	$3,264 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-126.04`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-126.04`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,108 sqft Finished Area
Gross Area	1,208 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	120 ft deep x 55 ft wide
Garage Type	Basement
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	1427 PLATEAU ST
City	ELSMERE
State	KY
Zip	41018-3709
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOPPENJANS TWO SEC 1 LOT 2
Legal Subdivision	HOPPENJANS TWO
Legal Phase	1
Legal Lot Number	2
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3018
Census Tract	65600

Owner

1427 Plateau St is owned and occupied by an individual who bought it in September 2025.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1427 PLATEAU ST, ELSMERE, KY 41018-3709
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Warranty Deed, Transfer · Conventional Mortgage THE GERMAN AMERICAN BANK
Jul 15, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN MTG SVC
Jul 28, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC
May 8, 2018	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2025 · Amount on File
Deed Sale	Sep 26, 2025 · Amount on File
Prior Sale	Jul 28, 2020 · Amount on File
Deed Document Number	2025101
Deed Book / Page	365 / 499
Prior Transfer Date	Oct 6, 2005
Prior Transfer Doc	0005900217
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 26, 2025
Property Address	1427 PLATEAU ST, ELSMERE, KY 41018-3709
Document Number	0005900101
Book / Page	KC 365 / 499
Map Reference	PL 1685&1686
Instrument Date	Sep 15, 2025
Instrument	25092605900101
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	66 DECKER AVE, GREENDALE, IN 47025-1432

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1427 PLATEAU ST, ELSMERE, KY 41018-3709

Mortgage

Document Number	0005900102
Date	Sep 26, 2025
Instrument	25092605900102

Lender

Name	THE GERMAN AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1427 PLATEAU ST, ELSMERE, KY 41018-3709
Document Number	0000000092
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1427 PLATEAU ST ELSMERE KY 410183709, ELSMERE, KY 41018-3709

Mortgage

Document Number	0000000092
Date	Jul 28, 2020
Book Page	000M74/000750
Instrument	92

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 28, 2020
Property Address	1427 PLATEAU ST, ELSMERE, KY 41018-3709
Document Number	0000000091
Book / Page	000033 / 000893
Instrument Date	Jul 15, 2020
Instrument	91
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1427 PLATEAU ST ELSMERE KY 410183709, ELSMERE, KY 41018-3709

Mortgage

Document Number	92
Date	Jul 28, 2020
Book Page	000M74/000750
Instrument	92

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2050

Mortgage

Document Number	93,
Date	Jul 28, 2020
Book Page	000M74/000765
Instrument	93

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jul 27, 2030

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 8, 2018
Property Address	1427 PLATEAU ST, ELSMERE, KY 41018-3709
Document Number	0000000049
Book / Page	0C6406 / 000160
Instrument Date	Apr 19, 2018
Instrument	49
Transaction Type	Transfer
Record Updated	May 28, 2018
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1427 PLATEAU ST ELSMERE KY 410183709, ELSMERE, KY 41018-3709

Mortgage

Document Number	50
Date	May 8, 2018
Book Page	0C6406/000164
Instrument	50

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 7, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1427 Plateau St was $3,264, down 1% from the year before.

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		$250,000 (+16.33%) Land $25,000 Building $225,000	$250,000 (+16.33%) Land $25,000 Building $225,000
2025	$3,264.00 (-1.03%)	$214,900 (-) Land $25,000 Building $189,900	$214,900 (-) Land $25,000 Building $189,900
2024	$3,298.00 (+2.39%)	$214,900 (-) Land $25,000 Building $189,900	$214,900 (-) Land $25,000 Building $189,900
2023	$3,221.00	$214,900 Land $25,000 Building $189,900	$214,900 Land $25,000 Building $189,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1427 Plateau St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1427 Plateau St is low, with a 0.01% annual chance of 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	None beyond ember reach

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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