1581 Raintree Ct, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1581 Raintree Ct, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 924 sqft · built 1998
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Mar 2025)
Tax Bill	$3,205 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-239.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-239.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	924 sqft Finished Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	134 ft deep x 50 ft wide
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	1581 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 239
Legal Subdivision	RIPPLE CREEK II
Legal Phase	10
Legal Lot Number	239
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
Census Tract	65600

Owner

Source: Kenton County records, as of December 2, 2025

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	1581 RAINTREE CT, ELSMERE, KY 41018-1885
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · VA Mortgage ONPOINT HOME LENDING
Apr 11, 2022	Deed, Transfer · Conventional Mortgage ONPOINT HOME LENDING
Apr 4, 2022	Warranty Deed, Transfer
Jun 22, 2020	Grant Deed, Transfer · FHA Mortgage QUICKEN LNS
Jun 17, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Dec 6, 2017	Warranty Deed, Transfer · FHA Mortgage MOTIVE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2025 · Amount on Record
Deed Sale	Mar 14, 2025 · Amount on Record
Prior Sale	Apr 11, 2022 · Amount on Record
Deed Document Number	202569
Deed Book / Page	333 / 470
Prior Transfer Date	Oct 31, 2008
Prior Transfer Doc	0005900172
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1581 RAINTREE CT, ELSMERE, KY 41018-1885
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1581 RAINTREE CT, ELSMERE, KY 41018-1885

Mortgage

Document Number	0005900199
Date	Dec 23, 2025
Book Page	KCM 720/466
Instrument	25122305900199

Lender

Name	ONPOINT HOME LENDING
Type	Non-Lending Institution
Address	FLORENCE, KY 41042

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Apr 11, 2022
Property Address	1581 RAINTREE CT, ELSMERE, KY 41018-1885
Document Number	0005900114
Book / Page	158 / 880
Map Reference	PL 1831
Instrument Date	Apr 7, 2022
Instrument	22041105900114
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$211.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2199 BLEU YACHT LN, 2199, UNION, KY 41091-7698

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1581 RAINTREE CT, ELSMERE, KY 41018-1885

Mortgage

Document Number	0005900115
Date	Apr 11, 2022
Instrument	22041105900115

Lender

Name	ONPOINT HOME LENDING
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2037

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 4, 2022
Property Address	1581 RAINTREE CT, ELSMERE, KY 41018-1885
Document Number	0005900220
Book / Page	157 / 591
Map Reference	PL 1831
Instrument Date	Apr 1, 2022
Instrument	22040405900220
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Amount	Amount Recorded
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1581 RAINTREE CT, 1581, ELSMERE, KY 41018-1885

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2199 BLEU YACHT LN, UNION, KY 41091-7698

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 22, 2020
Property Address	1581 RAINTREE CT, ELSMERE, KY 41018-1885
Document Number	0000000091
Book / Page	000027 / 000491
Instrument Date	Jun 17, 2020
Instrument	91
Transaction Type	Transfer
Record Updated	Aug 17, 2020
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	$158.00
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	1581 RAINTREE CT ELSMERE KY 410181885, ELSMERE, KY 41018-1885

Mortgage

Document Number	92
Date	Jun 22, 2020
Book Page	000M60/000683
Instrument	92

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1581 RAINTREE CT, ELSMERE, KY 41018-1885
Document Number	0000000092
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1581 RAINTREE CT ELSMERE KY 410181885, ELSMERE, KY 41018-1885

Mortgage

Document Number	0000000092
Date	Jun 22, 2020
Book Page	000M60/000683
Instrument	92

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 6, 2017
Property Address	1581 RAINTREE CT, ELSMERE, KY 41018-1885
Document Number	0000000008
Book / Page	0C6309 / 000233
Instrument Date	Nov 13, 2017
Instrument	8
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	BRB TRUST TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$132.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1581 RAINTREE CT ELSMERE KY 410181885, ELSMERE, KY 41018-1885

Mortgage

Document Number	10
Date	Dec 6, 2017
Book Page	0C6309/000236
Instrument	10

Lender

Name	MOTIVE LNDG
Address	FLINT, MI 48501-2026

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2047

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
2025	$3,205.00 (+1.36%)	$211,000 (-) Land $25,000 Building $186,000	$211,000 (-) Land $25,000 Building $186,000
2023	$3,162.00	$211,000 Land $25,000 Building $186,000	$211,000 Land $25,000 Building $186,000

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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