1604 Raintree Ct, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1604 Raintree Ct, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,074 sqft · built 2007
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$271,000 (Feb 2026)
Tax Bill	$2,905 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-304.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-304.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,074 sqft Finished Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	7,841 sqft (0.18 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	1604 RAINTREE CT
City	ELSMERE
State	KY
Zip	41018-1897
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II ADDITION SEC 11 LOT 304
Legal Subdivision	RIPPLE CREEK II
Legal Phase	11
Legal Lot Number	304
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
Census Tract	65600

Owner

1604 Raintree Ct is owned and occupied by an individual who bought it in February 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1604 RAINTREE CT, ELSMERE, KY 41018-1897
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Jun 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage KEMBA CREDIT UNION
Feb 19, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2026 · Amount on File
Deed Sale	Feb 19, 2026 · Amount on File
Prior Sale	Feb 6, 2007 · Amount on File
Deed Document Number	20263288
Deed Book / Page	390 / 845
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jun 24, 2026
Property Address	1604 RAINTREE CT, ELSMERE, KY 41018-1897
Document Number	0000013165
Book / Page	450 / 550
Instrument Date	Jun 5, 2026
Instrument	202613165
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1604 RAINTREE CT, ELSMERE, KY 41018-1897

Mortgage

Document Number	0000013165,
Date	Jun 24, 2026
Book Page	450/550
Instrument	202613165

Lender

Name	KEMBA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 19, 2026
Property Address	1604 RAINTREE CT, ELSMERE, KY 41018-1897
Document Number	0000003288
Book / Page	390 / 845
Map Reference	MB C PG 071
Instrument Date	Feb 13, 2026
Instrument	26059000003288
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$271.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	817 JOHNS HILL RD, WILDER, KY 41076-1422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1604 RAINTREE CT, ELSMERE, KY 41018-1897

Mortgage

Document Number	0000003289
Date	Feb 19, 2026
Instrument	26059000003289

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1604 Raintree Ct was $2,905.

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		$191,300 (-) Land $25,000 Building $166,300	$191,300 (-) Land $25,000 Building $166,300
2025	$2,905.00	$191,300 Land $25,000 Building $166,300	$191,300 Land $25,000 Building $166,300
2023	$2,867.00	$191,300 Land $25,000 Building $166,300	$191,300 Land $25,000 Building $166,300

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

Flood

FEMA maps place 1604 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 1604 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	Direct burnable vegetation

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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