Kenton County property record for 18 Main St, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,260 sqft · built 1930 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $154,900 (Nov 2018) |
| Tax Bill | $2,352 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-14-010.00 |
| Primary APN | 004-30-14-010.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,260 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0043014010.00 |
|---|---|
| Street Address | 18 MAIN ST |
| City | ELSMERE |
| State | KY |
| Zip | 41018-2019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODSIDE PART LOTS 81 TO 86 50X150' SS MAIN 100' W ORCHARD |
| Legal Subdivision | WOODSIDE ADDN |
| Legal Phase | 6 |
| Legal Lot Number | 81 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 65700 |
Source: Kenton County assessment roll, as of April 1, 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 18 MAIN ST, ELSMERE, KY 41018-2019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Nov 26, 2018 | Warranty Deed, Transfer SIBCY CLINE MTG SVCS |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Nov 26, 2018 · Amount on Record |
| Deed Sale | Nov 26, 2018 · Amount on Record |
| Prior Sale | Jul 17, 2018 · Amount on Record |
| Deed Document Number | 0006551167 |
| Deed Book / Page | 6551 / 167 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 18 MAIN ST, ELSMERE, KY 41018-2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0005900279 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 243/735 |
| Instrument | 21071905900279 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 26, 2018 |
| Property Address | 18 MAIN ST, ELSMERE, KY 41018-2019 |
| Document Number | 0000000160 |
| Book / Page | 0C6551 / 000167 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 160 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2018 |
| Title Company | SIBCY CLINE TITLE AGENCY LLC, SIBCY CLINE TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $154.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 18 MAIN ST ELSMERE KY 410182019, ELSMERE, KY 41018-2019 |
| Document Number | 161 |
|---|---|
| Date | Nov 26, 2018 |
| Book Page | 0C6551/000171 |
| Instrument | 161 |
| Name | SIBCY CLINE MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45236 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 25, 2048 |
Source: Kenton County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,352.00 (+1.34%) | $154,900 (-) Land $20,000 Building $134,900 | $154,900 (-) Land $20,000 Building $134,900 |
| 2023 | $2,321.00 | $154,900 Land $20,000 Building $134,900 | $154,900 Land $20,000 Building $134,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 419 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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