Kenton County property record for 190 Dell Ave, Elsmere, KY 41018
| Property Type | Other Improved |
|---|---|
| Details | 4,560 sqft · built 1987 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Company Name on Record |
| Last Sale | $266,750 (Aug 2001) |
| Tax Bill | $2,734 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-04-023.00 |
| Primary APN | 015-20-04-023.00 |
|---|
| Building Area | 4,560 sqft Finished Area |
|---|
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Lot Area | 21,780 sqft (0.5 acres) |
| Street Address | 190 DELL AVE |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2124 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | SOUTH ERLANGER LOTS 189 THRU 193 |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 189-1 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1005 |
| 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 | 3353 MADISON PIKE, FT MITCHELL, KY 41017-8153 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 23, 2024 | Deed of Trust, Mortgage · Line of Credit AMERICAN HERITAGE LENDING INC |
| Dec 11, 2019 | Deed of Trust, Mortgage FINANCE OF AMERICA COM'L LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 15, 2001 · Amount on Record |
| Deed Sale | Aug 15, 2001 · Amount on Record |
| Last Transfer Date | Sep 7, 2013 |
| Transfer Doc | 0000000049 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 190 DELL ST, ELSMERE, KY 41018-2124 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900043 |
|---|---|
| Date | Apr 23, 2024 |
| Book Page | KCM542/778 |
| Instrument | 24042305900043 |
| Name | AMERICAN HERITAGE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | 19800 MACARTHUR BLVD, IRVINE, CA 92612 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 190 DELL ST, ELSMERE, KY 41018-2124 |
| Document Number | 0000000062 |
| Instrument Date | Dec 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 190 DELL ST ELSMERE KY 410182124, ELSMERE, KY 41018-2124 |
| Document Number | 0000000062 |
|---|---|
| Date | Dec 13, 2019 |
| Book Page | 0C6828/000032 |
| Instrument | 62 |
| Name | FINANCE OF AMERICA COM'L LLC |
|---|---|
| Address | CHARLOTTE, NC 28210 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 12, 2049 |
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 | $180,000 (-) Land $55,000 Building $125,000 | $180,000 (-) Land $55,000 Building $125,000 | |
| 2025 | $2,734.00 (+1.33%) | $180,000 (-) Land $55,000 Building $125,000 | $180,000 (-) Land $55,000 Building $125,000 |
| 2023 | $2,698.00 | $180,000 Land $55,000 Building $125,000 | $180,000 Land $55,000 Building $125,000 |
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 96% of the US · lower than 96% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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.
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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