1518 Waterfall Way, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1518 Waterfall Way, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,008 sqft · built 1996
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$116,400 (Apr 2005)
Tax Bill	$3,262 (2025)
Deeds & Mortgages	Jan 2023 Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-128.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-128.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,008 sqft Finished Area
Gross Area	1,128 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	12,197 sqft (0.28 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	1518 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 128
Legal Subdivision	RIPPLE CREEK II
Legal Phase	5
Legal Lot Number	128
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
Census Tract	65600

Owner

1518 Waterfall Way is owned and occupied by an individual who bought it in April 2005.

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

Owner of Record	Individual Name on File
Mailing Address	1518 WATERFALL WAY, ELSMERE, KY 41018-4023
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
Jan 4, 2023	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
May 31, 2019	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2005 · Amount on File
Deed Sale	Apr 18, 2005 · Amount on File
Prior Sale	Oct 15, 2002 · Amount on File
Deed Document Number	200504 18 059 00254
Deed Book / Page	2571 / 3
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1518 WATERFALL WAY, ELSMERE, KY 41018-4023
Transaction Type	Mortgage
Record Updated	Jan 17, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900005
Date	Jan 4, 2023
Book Page	432/95
Instrument	23010405900005

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2043

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1518 WATERFALL WAY, ELSMERE, KY 41018-4023
Document Number	0000000187
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Jul 4, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1518 WATERFALL WAY ELSMERE KY 410184023, ELSMERE, KY 41018-4023

Mortgage

Document Number	0000000187
Date	Jun 14, 2019
Book Page	0C6681/000038
Instrument	187

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 13, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1518 Waterfall Way was $3,262.

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		$214,800 (-) Land $30,000 Building $184,800	$214,800 (-) Land $30,000 Building $184,800
2025	$3,262.00	$214,800 Land $30,000 Building $184,800	$214,800 Land $30,000 Building $184,800
2023	$3,219.00	$214,800 Land $30,000 Building $184,800	$214,800 Land $30,000 Building $184,800

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

Flood

FEMA maps place 1518 Waterfall Way 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 1518 Waterfall Way 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.

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