1635 Raintree Ct, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 1635 Raintree Ct, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 820 sqft · built 2010
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$158,000 (Dec 2020)
Tax Bill	$2,453 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-320.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-320.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	820 sqft Finished Area

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1635 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 12 LOT 320
Legal Subdivision	RIPPLE CREEK II
Legal Phase	12
Legal Lot Number	320
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
Census Tract	65600

Owner

1635 Raintree Ct is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1635 RAINTREE CT, ELSMERE, KY 41018-1898
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 8, 2020	Grant Deed, Transfer GUARANTEED RATE
Jan 30, 2018	Warranty Deed, Transfer · Conventional Mortgage KENTUCKY HSNG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2020 · Amount on File
Deed Sale	Dec 8, 2020 · Amount on File
Prior Sale	Jan 30, 2018 · Amount on File
Deed Document Number	20205900032
Deed Book / Page	59 / 590
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 8, 2020
Property Address	1635 RAINTREE CT, ELSMERE, KY 41018-1898
Document Number	0000000032
Book / Page	000005 / 000590
Instrument Date	Dec 4, 2020
Instrument	32
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount on Record
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	Husband and Wife
Address	1635 RAINTREE CT ELSMERE KY 410181898, ELSMERE, KY 41018-1898

Mortgage

Document Number	33
Date	Dec 8, 2020
Book Page	00M137/000417
Instrument	33

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 30, 2018
Property Address	1635 RAINTREE CT, ELSMERE, KY 41018-1898
Document Number	0000000037
Book / Page	0C6342 / 000329
Instrument Date	Jan 24, 2018
Instrument	37
Transaction Type	Transfer
Record Updated	Mar 2, 2018
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1635 RAINTREE CT ELSMERE KY 410181898, ELSMERE, KY 41018-1898

Mortgage

Document Number	45
Date	Jan 30, 2018
Book Page	0C6343/000026
Instrument	45

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 29, 2023

Mortgage

Document Number	44,
Date	Jan 30, 2018
Book Page	0C6343/000012
Instrument	44

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1635 Raintree Ct was $2,453.

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		$161,500 (-) Land $25,000 Building $136,500	$161,500 (-) Land $25,000 Building $136,500
2025	$2,453.00	$161,500 Land $25,000 Building $136,500	$161,500 Land $25,000 Building $136,500
2023	$2,420.00	$161,500 Land $25,000 Building $136,500	$161,500 Land $25,000 Building $136,500

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

Flood

FEMA maps place 1635 Raintree Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 1635 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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