1539 Raintree Ct, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1539 Raintree Ct, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 872 sqft · built 1998
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on File
Last Sale	$226,000 (Oct 2025)
Tax Bill	$3,038 (2025)
Deeds & Mortgages	May 2023 Line of Credit May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-230.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-230.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	872 sqft Finished Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 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	1539 RAINTREE CT
City	ELSMERE
State	KY
Zip	41018-1876
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 10 LOT 230
Legal Subdivision	RIPPLE CREEK II
Legal Phase	10
Legal Lot Number	230
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
Census Tract	65600

Owner

1539 Raintree Ct is owned by a company that bought it in October 2025.

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

Owner of Record	Company Name on File
Mailing Address	7184 GREGORY CREEK LN, WEST CHESTER, OH 45069-1566
Owner Type	Company
Vesting	Limited Liability Partnership

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
May 4, 2023	Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV
May 4, 2023	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC
Oct 16, 2025	Warranty Deed, Transfer · Commercial Mortgage RFLF 4 LLC
May 29, 2020	Grant Deed, Transfer · Conventional Mortgage KENTUCKY HSNG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2025 · Amount on File
Deed Sale	Oct 16, 2025 · Amount on File
Prior Sale	May 4, 2023 · Amount on File
Deed Document Number	2025133
Deed Book / Page	369 / 142
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1539 RAINTREE CT, ELSMERE, KY 41018-1876
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1539 RAINTREE CT, ELSMERE, KY 41018-1876

Mortgage

Document Number	0005900144
Date	May 4, 2023
Book Page	KCM 459/210
Instrument	23050405900144

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 1, 2033

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1539 RAINTREE CT, ELSMERE, KY 41018-1876
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900143
Date	May 4, 2023
Book Page	KCM 459/195
Instrument	23050405900143

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 16, 2025
Property Address	1539 RAINTREE CT, ELSMERE, KY 41018-1876
Document Number	0005900133
Book / Page	KC 369 / 142
Instrument Date	Oct 10, 2025
Instrument	25101605900133
Transaction Type	Transfer
Record Updated	Oct 29, 2025

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	1539 RAINTREE CT, ELSMERE, KY 41018-1876

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7184 GREGORY CREEK LN, WEST CHESTER, OH 45069-1566
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900134
Date	Oct 16, 2025
Instrument	25101605900134

Lender

Name	RFLF 4 LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	May 29, 2020
Property Address	1539 RAINTREE CT, ELSMERE, KY 41018-1876
Document Number	0000000098
Book / Page	000023 / 000664
Instrument Date	May 22, 2020
Instrument	98
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$149.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1539 RAINTREE CT ELSMERE KY 410181876, ELSMERE, KY 41018-1876

Mortgage

Document Number	104
Date	May 29, 2020
Book Page	000M49/000969
Instrument	104

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 28, 2030

Interest

Rate	12%

Mortgage

Document Number	99,
Date	May 29, 2020
Book Page	000M49/000922
Instrument	99

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 28, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1539 Raintree Ct was $3,038, down 1% from the year before.

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		$226,000 (+13%) Land $25,000 Building $201,000	$226,000 (+13%) Land $25,000 Building $201,000
2025	$3,038.00 (-1.04%)	$200,000 (-) Land $25,000 Building $175,000	$200,000 (-) Land $25,000 Building $175,000
2024	$3,070.00 (+9.96%)	$200,000 (+7.35%) Land $25,000 Building $175,000	$200,000 (+7.35%) Land $25,000 Building $175,000
2023	$2,792.00	$186,300 Land $25,000 Building $161,300	$186,300 Land $25,000 Building $161,300

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

Flood

FEMA maps place 1539 Raintree Ct 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 1539 Raintree Ct 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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