1517 Clovernook Dr, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1517 Clovernook Dr, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,040 sqft · built 1997
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$133,000 (Jul 2017)
Tax Bill	$2,969 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-138.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-138.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,040 sqft Finished Area
Gross Area	1,160 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 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	1517 CLOVERNOOK DR
City	ELSMERE
State	KY
Zip	41018-1893
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 6 LOT 138
Legal Subdivision	RIPPLE CREEK II
Legal Phase	6
Legal Lot Number	138
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
Census Tract	65600

Owner

1517 Clovernook Dr is owned and occupied by an individual who bought it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	1517 CLOVERNOOK DR, ELSMERE, KY 41018-1893
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage KEMBA CREDIT UNION INC
Jul 3, 2017	Grant Deed, Transfer · Conventional with PMI CENTERBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2017 · Amount on File
Deed Sale	Jul 3, 2017 · Amount on File
Prior Sale	May 31, 2016 · Amount on File
Deed Document Number	201707 03 059 00191
Deed Book / Page	6192 / 307
Prior Transfer Date	Jul 12, 2012
Prior Transfer Doc	0005900273
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1517 CLOVERNOOK DR, ELSMERE, KY 41018-1893
Transaction Type	Mortgage
Record Updated	Nov 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900041
Date	Oct 28, 2021
Book Page	292/169
Instrument	21102805900041

Lender

Name	KEMBA CREDIT UNION INC
Type	Credit Union
Address	WEST CHESTER, OH 45069

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Nov 1, 2031
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	7.87%

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jul 3, 2017
Property Address	1517 CLOVERNOOK DR, ELSMERE, KY 41018-1893
Document Number	0000000191
Book / Page	0C6192 / 000307
Instrument Date	May 17, 2017
Instrument	191
Transaction Type	Transfer
Record Updated	Jul 20, 2017
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1517 CLOVERNOOK DR ELSMERE KY 410181893, ELSMERE, KY 41018-1893

Mortgage

Document Number	192
Date	Jul 3, 2017
Book Page	006192/000311
Instrument	192

Lender

Name	CENTERBANK
Type	Bank
Address	FLINT, MI 48501-2026

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1517 Clovernook Dr was $2,969.

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		$195,500 (-) Land $25,000 Building $170,500	$195,500 (-) Land $25,000 Building $170,500
2025	$2,969.00	$195,500 Land $25,000 Building $170,500	$195,500 Land $25,000 Building $170,500
2023	$2,930.00	$195,500 Land $25,000 Building $170,500	$195,500 Land $25,000 Building $170,500

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

Flood

FEMA maps place 1517 Clovernook Dr 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 1517 Clovernook Dr 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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