Kenton County property record for 204 Caldwell Dr, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,070 sqft · built 1962 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $119,000 (Sep 2017) |
| Tax Bill | $2,372 (2025) |
| Deeds & Mortgages | Jan 2021 Loan Modification Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-16-001.00 |
| Primary APN | 004-30-16-001.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,070 sqft Finished Area |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 204 CALDWELL DR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECKS 5TH ADDN LOT 214 |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 5 |
| Legal Lot Number | 214 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 65700 |
204 Caldwell Dr is owned by two individuals who bought it in September 2017.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3033 MAGNOLIA CT, EDGEWOOD, KY 41017-3349 |
| 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.
| Date | Document |
|---|---|
| Jan 6, 2021 | Loan Modification, Mortgage NOT AVAILABLE |
| Aug 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK |
| Sep 26, 2017 | Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2017 · Amount on File |
| Deed Sale | Sep 26, 2017 · Amount on File |
| Prior Sale | Aug 31, 2005 · Amount on File |
| Deed Document Number | 201709 25 059 00038 |
| Deed Book / Page | 6255 / 278 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 204 CALDWELL DR, ELSMERE, KY 41018-1913 |
| Document Number | 0000000047 |
| Instrument Date | Jan 6, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 204 CALDWELL DR ELSMERE KY 410181913, ELSMERE, KY 41018-1913 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 204 CALDWELL DR, ELSMERE, KY 41018-1913 |
| Document Number | 0000000044 |
| Instrument Date | Aug 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 204 CALDWELL DR ELSMERE KY 410181913, ELSMERE, KY 41018-1913 |
| Document Number | 0000000044 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 000M84/000956 |
| Instrument | 44 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 18, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 26, 2017 |
| Property Address | 204 CALDWELL DR, ELSMERE, KY 41018-1913 |
| Document Number | 0000000038 |
| Book / Page | 0C6255 / 000278 |
| Instrument Date | Sep 22, 2017 |
| Instrument | 38 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $119.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3033 MAGNOLIA CT EDGEWOOD KY 410173349, EDGEWOOD, KY 41017-3349 |
| Document Number | 39 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 0C6255/000281 |
| Instrument | 39 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 25, 2047 |
The 2025 property tax bill for 204 Caldwell Dr was $2,372.
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 | $156,200 (-) Land $25,000 Building $131,200 | $156,200 (-) Land $25,000 Building $131,200 | |
| 2025 | $2,372.00 | $156,200 Land $25,000 Building $131,200 | $156,200 Land $25,000 Building $131,200 |
| 2023 | $2,341.00 | $156,200 Land $25,000 Building $131,200 | $156,200 Land $25,000 Building $131,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 204 Caldwell Dr in Zone X, an area of minimal flood risk.
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 risk around 204 Caldwell Dr is low, with less than 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 98% of the US · lower than 98.2% 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 | FLORENCE WATER & SEWER serves 29,351 people · EPA ID KY0080135 |
|---|---|
| Water Source | Purchased surface water from BOONE-FLORENCE WATER COMMISSION |
| Last State Inspection | Mar 2024 |
| Also Mapped Here | NORTHERN KENTUCKY WATER DISTRICT |
| Lead | Under 1 ppb (2021–2023) 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 485 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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