1609 Raintree Ct, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1609 Raintree Ct, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,112 sqft · built 2007
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$274,900 (Feb 2026)
Tax Bill	$3,113 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-326.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-326.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,112 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	6,098 sqft (0.14 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1609 RAINTREE CT
City	ELSMERE
State	KY
Zip	41018-1898
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II ADDITION SEC 11 LOT 326
Legal Subdivision	RIPPLE CREEK II
Legal Phase	11
Legal Lot Number	326
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	1609 RAINTREE CT, ELSMERE, KY 41018-1898
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Dec 3, 2021	Warranty Deed, Transfer · Conventional Mortgage VICTORY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 11, 2026 · Amount on Record
Deed Sale	Feb 11, 2026 · Amount on Record
Prior Sale	Dec 3, 2021 · Amount on Record
Deed Document Number	20262804
Deed Book / Page	389 / 702
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 11, 2026
Property Address	1609 RAINTREE CT, ELSMERE, KY 41018-1898
Document Number	0000002804
Book / Page	389 / 702
Map Reference	SL 2059
Instrument Date	Feb 10, 2026
Instrument	26059000002804
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	819 LAKERUN LN, ERLANGER, KY 41018-3075

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1609 RAINTREE CT, ELSMERE, KY 41018-1898

Mortgage

Document Number	0000002805
Date	Feb 11, 2026
Instrument	26059000002805

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 3, 2021
Property Address	1609 RAINTREE CT, ELSMERE, KY 41018-1898
Document Number	0005900332
Book / Page	134 / 990
Map Reference	SL 2059
Instrument Date	Nov 30, 2021
Instrument	21120305900332
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	HOMESTEAD TITLE AGENCY LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7024 OCONNELL PL, 7024, UNION, KY 41091-7544

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1609 RAINTREE CT, ELSMERE, KY 41018-1898

Mortgage

Document Number	0005900333
Date	Dec 3, 2021
Book Page	310/432
Instrument	21120305900333

Lender

Name	VICTORY MORTGAGE LLC
Type	Mortgage Company
Address	ERLANGER, KY 41018

Agreement

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

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		$205,000 (-) Land $25,000 Building $180,000	$205,000 (-) Land $25,000 Building $180,000
2025	$3,113.00 (+1.33%)	$205,000 (-) Land $25,000 Building $180,000	$205,000 (-) Land $25,000 Building $180,000
2023	$3,072.00	$205,000 Land $25,000 Building $180,000	$205,000 Land $25,000 Building $180,000

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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