1577 Raintree Ct, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1577 Raintree Ct, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 996 sqft · built 1998
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Jul 2018)
Tax Bill	$2,822 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Jul 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-238.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-238.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	996 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	6,534 sqft (0.15 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	1577 RAINTREE CT
City	ELSMERE
State	KY
Zip	41018-1885
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 10 LOT 238
Legal Subdivision	RIPPLE CREEK II
Legal Phase	10
Legal Lot Number	238
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	1577 RAINTREE CT, ELSMERE, KY 41018-1885
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Jul 9, 2021	Intrafamily Transfer, Transfer
Jul 20, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2018 · Amount on Record
Deed Sale	Jul 20, 2018 · Amount on Record
Prior Sale	Oct 2, 2009 · Amount on Record
Deed Document Number	201807 20 059 00144
Deed Book / Page	6457 / 24
Last Transfer Date	Jun 29, 2021
Transfer Doc	0005900057
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1577 RAINTREE CT, ELSMERE, KY 41018-1885
Transaction Type	Mortgage
Record Updated	Nov 18, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900012
Date	Nov 8, 2021
Book Page	297/850
Instrument	21110805900012

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Jul 9, 2021
Property Address	1577 RAINTREE CT, ELSMERE, KY 41018-1885
Document Number	0005900057
Book / Page	102 / 540
Map Reference	PL 1831
Instrument Date	Jun 29, 2021
Instrument	21070905900057
Transaction Type	Transfer
Record Updated	Jul 26, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1680 SOUTHCROSS DR, 1680, HEBRON, KY 41048-6722

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1577 RAINTREE CT, ELSMERE, KY 41018-1885

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2018
Property Address	1577 RAINTREE CT, ELSMERE, KY 41018-1885
Document Number	0000000144
Book / Page	0C6457 / 000024
Instrument Date	Jul 19, 2018
Instrument	144
Transaction Type	Transfer
Record Updated	Aug 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3920 PIPERIDGE WAY INDEPENDENCE KY 410511110, INDEPENDENCE, KY 41051-1110

Mortgage

Document Number	145
Date	Jul 20, 2018
Book Page	0C6457/000027
Instrument	145

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2048

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		$185,800 (-) Land $25,000 Building $160,800	$185,800 (-) Land $25,000 Building $160,800
2025	$2,822.00 (+1.33%)	$185,800 (-) Land $25,000 Building $160,800	$185,800 (-) Land $25,000 Building $160,800
2023	$2,785.00	$185,800 Land $25,000 Building $160,800	$185,800 Land $25,000 Building $160,800

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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