Kenton County property record for 185 Dell Ave, Elsmere, KY 41018
| Property Type | Triplex |
|---|---|
| Details | 6 bd · 3 ba · 3,784 sqft · built 1986 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Company Name on Record |
| Last Sale | $210,000 (Oct 2020) |
| Tax Bill | $3,987 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-02-004.00 |
| Primary APN | 015-20-02-004.00 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,784 sqft Finished Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Triplex |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 185 DELL AVE |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2123 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Description | SOUTH ERLANGER LOTS 27-28-29-30 |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 27-30 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 65600 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 1050 SCOTT ST, COVINGTON, KY 41011-3159 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 31, 2023 | Deed of Trust, Mortgage · Line of Credit KEMBA CREDIT UNION INC |
| Jul 14, 2022 | Deed of Trust, Mortgage · Commercial Mortgage KEMBA CREDIT UNION INC |
| Oct 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY TR BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2020 · Amount on Record |
| Deed Sale | Oct 2, 2020 · Amount on Record |
| Prior Sale | Oct 21, 2015 · Amount on Record |
| Deed Document Number | 20205900005 |
| Deed Book / Page | 46 / 830 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 185 DELL ST, ELSMERE, KY 41018-2123 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900071 |
|---|---|
| Date | Jul 31, 2023 |
| Book Page | KCM 480/263 |
| Instrument | 23073105900071 |
| Name | KEMBA CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | WEST CHESTER, OH 45069 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 185 DELL ST, ELSMERE, KY 41018-2123 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900227 |
|---|---|
| Date | Jul 14, 2022 |
| Book Page | 389/18 |
| Instrument | 22071405900227 |
| Name | KEMBA CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | WEST CHESTER, OH 45069 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 30, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 2, 2020 |
| Property Address | 185 DELL ST, ELSMERE, KY 41018-2123 |
| Document Number | 0000000005 |
| Book / Page | 000046 / 000830 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 5 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 185 DELL ST ELSMERE KY 410182123, ELSMERE, KY 41018-2123 |
| Document Number | M1050982 |
|---|---|
| Date | Oct 2, 2020 |
| Book Page | 00M105/000982 |
| Name | COMMUNITY TR BK |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 1, 2030 |
Source: Kenton County assessment roll, as of December 2, 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 |
|---|---|---|---|
| 2026 | $262,500 (-) Land $50,000 Building $212,500 | $262,500 (-) Land $50,000 Building $212,500 | |
| 2025 | $3,987.00 (+1.35%) | $262,500 (-) Land $50,000 Building $212,500 | $262,500 (-) Land $50,000 Building $212,500 |
| 2023 | $3,934.00 | $262,500 Land $50,000 Building $212,500 | $262,500 Land $50,000 Building $212,500 |
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 558 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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