1576 Raintree Ct, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1576 Raintree Ct, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 924 sqft · built 1998
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$146,000 (Apr 2019)
Tax Bill	$2,737 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-224.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-224.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	924 sqft Finished Area
Gross Area	1,024 sqft

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	6,098 sqft (0.14 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	1576 RAINTREE CT
City	ELSMERE
State	KY
Zip	41018-1868
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 10 LOT 224
Legal Subdivision	RIPPLE CREEK II
Legal Phase	10
Legal Lot Number	224
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	Individual Name on Record
Mailing Address	1576 RAINTREE CT, ELSMERE, KY 41018-1868
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Apr 16, 2019	Grant Deed, Transfer · Conventional with PMI WRIGHT-PATT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2019 · Amount on Record
Deed Sale	Apr 16, 2019 · Amount on Record
Prior Sale	Apr 3, 2014 · Amount on Record
Deed Document Number	201904 16 059 00213
Deed Book / Page	6640 / 224
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1576 RAINTREE CT, ELSMERE, KY 41018-1868
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900066
Date	Feb 4, 2021
Book Page	163/342
Instrument	21020405900066

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 16, 2019
Property Address	1576 RAINTREE CT, ELSMERE, KY 41018-1868
Document Number	0000000213
Book / Page	0C6640 / 000224
Instrument Date	Apr 15, 2019
Instrument	213
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1576 RAINTREE CT ELSMERE KY 410181868, ELSMERE, KY 41018-1868

Mortgage

Document Number	214
Date	Apr 16, 2019
Book Page	0C6640/000227
Instrument	214

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45431

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2049

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		$180,200 (-) Land $25,000 Building $155,200	$180,200 (-) Land $25,000 Building $155,200
2025	$2,737.00 (+1.33%)	$180,200 (-) Land $25,000 Building $155,200	$180,200 (-) Land $25,000 Building $155,200
2023	$2,701.00	$180,200 Land $25,000 Building $155,200	$180,200 Land $25,000 Building $155,200

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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