1453 Garvey Ave, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1453 Garvey Ave, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1984
Lot Size	0.194 acres (8,450 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Mar 2024)
Tax Bill	$3,417 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-144.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-144.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,040 sqft Finished Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,450 sqft (0.194 acres)
Lot Dimensions	130 ft deep x 65 ft wide
Garage Type	Basement
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	1453 GARVEY AVE
City	ELSMERE
State	KY
Zip	41018-2560
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH ERLANGER PT LOT 1548 & 1549-1550 65'X 130'
Legal Subdivision	SOUTH ERLANGER
Legal Phase	48
Legal Lot Number	1550,15
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2018
Census Tract	65600

Owner

1453 Garvey Ave is owned and occupied by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1453 GARVEY AVE, ELSMERE, KY 41018-2560
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Jan 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK
Feb 26, 2026	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Mar 6, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2024 · Amount on File
Deed Sale	Mar 6, 2024 · Amount on File
Prior Sale	Mar 5, 2013 · Amount on File
Deed Document Number	2024119
Deed Book / Page	272 / 907
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1453 GARVEY AVE, ELSMERE, KY 41018-2560
Transaction Type	Mortgage
Record Updated	Mar 10, 2026
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900131
Date	Jan 25, 2022
Book Page	330/589
Instrument	22012505900131

Lender

Name	HEARTLAND BANK
Type	Bank
Address	COLUMBUS, OH 43213

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 26, 2026
Property Address	1453 GARVEY AVE, ELSMERE, KY 41018-2560
Document Number	0000003866
Book / Page	391 / 991
Instrument Date	Feb 24, 2026
Instrument	26059000003866
Transaction Type	Transfer
Record Updated	Mar 10, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	518 RIPPLE CREEK DR, ELSMERE, KY 41018-2694

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1453 GARVEY AVE, ELSMERE, KY 41018-2560

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 6, 2024
Property Address	1453 GARVEY AVE, ELSMERE, KY 41018-2560
Document Number	0005900119
Book / Page	KC 272 / 907
Map Reference	PL 296
Instrument Date	Mar 4, 2024
Instrument	24030605900119
Transaction Type	Transfer
Record Updated	Mar 10, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4435 BLENHEIM RD, LOUISVILLE, KY 40207-3478

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1453 GARVEY AVE, ELSMERE, KY 41018-2560

Mortgage

Document Number	0005900120
Date	Mar 6, 2024
Instrument	24030605900120

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 1453 Garvey Ave was $3,417.

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		$225,000 (-) Land $25,000 Building $200,000	$225,000 (-) Land $25,000 Building $200,000
2025	$3,417.00	$225,000 Land $25,000 Building $200,000	$225,000 Land $25,000 Building $200,000
2023	$2,441.00	$162,900 Land $25,000 Building $137,900	$162,900 Land $25,000 Building $137,900

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

Flood

FEMA maps place 1453 Garvey Ave 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 1453 Garvey Ave 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 427 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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