1506 Waterfall Way, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1506 Waterfall Way, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,052 sqft · built 1999
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Jul 2026)
Tax Bill	$2,143 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-125.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-125.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,052 sqft Finished Area
Gross Area	1,220 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
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	1506 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 125
Legal Subdivision	RIPPLE CREEK II
Legal Phase	5
Legal Lot Number	125
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	2 Individual Names on Record
Mailing Address	1506 WATERFALL WAY, ELSMERE, KY 41018-4023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Warranty Deed, Transfer · Conventional Mortgage STANDARD MORTGAGE
May 8, 2026	Deed of Trust, Mortgage · Construction Mortgage NONE LISTED ON DOCUMENT
Feb 24, 2020	Deed of Trust, Mortgage · Conventional with PMI FIFTH THIRD BK NA
Nov 21, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2026 · Amount on Record
Deed Sale	Jul 17, 2026 · Amount on Record
Prior Sale	Aug 28, 2006 · Amount on Record
Deed Document Number	2026071715072
Deed Book / Page	460 / 219
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 17, 2026
Property Address	1506 WATERFALL WAY, ELSMERE, KY 41018-4023
Document Number	0000015072
Book / Page	460 / 219
Instrument Date	Jun 17, 2026
Instrument	202615072
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,755.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015073,
Date	Jul 17, 2026
Book Page	460/221
Instrument	2026071715073

Lender

Name	STANDARD MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	May 8, 2026
Property Address	1506 WATERFALL WAY, ELSMERE, KY 41018-4023
Document Number	0000009511
Book / Page	427 / 717
Instrument Date	Apr 15, 2026
Instrument	20269511
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009511,
Date	May 8, 2026
Book Page	427/717
Instrument	20269511

Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Aug 13, 2026

Interest

Rate Type	Balloon
Rate	6.22%
Initial Type	Balloon
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1506 WATERFALL WAY, ELSMERE, KY 41018-4023
Document Number	0000000081
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1506 WATERFALL WAY ELSMERE KY 410184023, ELSMERE, KY 41018-4023

Mortgage

Document Number	0000000081
Date	Apr 9, 2020
Book Page	000M30/000535
Instrument	81

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Apr 8, 2040

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1506 WATERFALL WAY, ELSMERE, KY 41018-4023
Document Number	0000000140
Instrument Date	Nov 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1506 WATERFALL WAY ELSMERE KY 410184023, ELSMERE, KY 41018-4023

Mortgage

Document Number	0000000140
Date	Dec 15, 2017
Book Page	0C6316/000209
Instrument	140

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2047

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		$190,200 (-) Land $25,000 Building $165,200	$190,200 (-) Land $25,000 Building $165,200
2025	$2,143.00 (-0.56%) Homeowner's exemption	$190,200 (-) Land $25,000 Building $165,200	$190,200 (-) Land $25,000 Building $165,200
2023	$2,155.00 Homeowner's exemption	$190,200 Land $25,000 Building $165,200	$190,200 Land $25,000 Building $165,200

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.

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