1502 Waterfall Way, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1502 Waterfall Way, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 936 sqft · built 1996
Lot Size	0.21 acres (9,148 sqft)
Owner	Trust Name on Record
Last Sale	$193,000 (Sep 2021)
Tax Bill	$2,185 (2025)
Deeds & Mortgages	Jun 2022 Transfer Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-124.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-124.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	936 sqft Finished Area
Gross Area	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	9,148 sqft (0.21 acres)
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	1502 WATERFALL WAY
City	ELSMERE
State	KY
Zip	41018-4023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 5 LOT 124
Legal Subdivision	RIPPLE CREEK II
Legal Phase	5
Legal Lot Number	124
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
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	Trust Name on Record
Mailing Address	1502 WATERFALL WAY, ELSMERE, KY 41018-4023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2022	Intrafamily Transfer, Transfer
Sep 15, 2021	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA
Jul 30, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 27, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2021 · Amount on Record
Deed Sale	Sep 15, 2021 · Amount on Record
Prior Sale	Jul 27, 2006 · Amount on Record
Deed Document Number	202136
Deed Book / Page	117 / 730
Last Transfer Date	Jun 13, 2022
Transfer Doc	0005900019
Record Updated	Oct 29, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Jun 22, 2022
Property Address	1502 WATERFALL WAY, ELSMERE, KY 41018-4023
Document Number	0005900019
Book / Page	172 / 588
Map Reference	PL 1740
Instrument Date	Jun 13, 2022
Instrument	22062205900019
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1502 WATERFALL WAY, 1502, ELSMERE, KY 41018-4023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1502 WATERFALL WAY, ELSMERE, KY 41018-4023

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 15, 2021
Property Address	1502 WATERFALL WAY, ELSMERE, KY 41018-4023
Document Number	0005900036
Book / Page	117 / 730
Map Reference	PL 1740
Instrument Date	Sep 7, 2021
Instrument	21091505900036
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
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	5967 HAZEL DR, 5967, FLORENCE, KY 41042-1277

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1502 WATERFALL WAY, ELSMERE, KY 41018-4023

Mortgage

Document Number	0005900037
Date	Sep 15, 2021
Instrument	21091505900037

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1502 WATERFALL WAY, ELSMERE, KY 41018-4023
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900141
Date	Jul 30, 2021
Book Page	250/153
Instrument	21073005900141

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Nov 1, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1502 WATERFALL WAY, ELSMERE, KY 41018-4023
Document Number	0000000229
Instrument Date	Aug 27, 2018
Transaction Type	Mortgage
Record Updated	Oct 25, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1502 WATERFALL WAY ELSMERE KY 410184023, ELSMERE, KY 41018-4023

Mortgage

Document Number	0000000229
Date	Sep 19, 2018
Book Page	0C6505/000108
Instrument	229

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2048

Interest

Rate Type	Adjustable Rate

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		$193,000 (-) Land $25,000 Building $168,000	$193,000 (-) Land $25,000 Building $168,000
2025	$2,185.00 (-0.55%) Homeowner's exemption	$193,000 (-) Land $25,000 Building $168,000	$193,000 (-) Land $25,000 Building $168,000
2023	$2,197.00 Homeowner's exemption	$193,000 Land $25,000 Building $168,000	$193,000 Land $25,000 Building $168,000

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	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.

Nearby Properties on Waterfall Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures