Kenton County property record for 221 Cross St, Elsmere, KY 41018
| Property Type | Other Improved |
|---|---|
| Details | 1 bd · 1 ba · 779 sqft |
| Lot Size | 2.95 acres (128,502 sqft) |
| Owner | Company Name on Record |
| Last Sale | $330,000 (Sep 2019) |
| Tax Bill | $36,820 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2019 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-26-001.00 |
| Primary APN | 003-40-26-001.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Units | 100 Units |
| Stories | 1 Story |
| Building Area | 779 sqft Finished Area |
| Roof Material | Composition Shingle |
|---|---|
| Lot Area | 128,502 sqft (2.95 acres) |
| Lot Dimensions | 125 ft deep x 70 ft wide |
| Garage Type | Detached |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Street Address | 221 CROSS ST |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2079 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | SOUTH ERLANGER LOTS 1618-1626 & PT 1627 ALSO LOTS 1628-1639 2.95 ACRES BETWEEN VINE ST CROSS ST & BEDINGER ST |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 1618-16 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 65700 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 160 W MAIN ST, 200, NEW ALBANY, OH 43054-1189 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Oct 21, 2021 | Deed of Trust, Mortgage · Commercial Mortgage HOPE OF KENTUKY LLC |
| Oct 10, 2019 | Trustee's Deed, Transfer · Line of Credit FIFTH THIRD BK |
| Sep 11, 2019 | Grant Deed, Transfer MERCANTILE TITLE AGENCY INC, MERCANTILE TITLE AGCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2019 · Amount on Record |
| Deed Sale | Sep 11, 2019 · Amount on Record |
| Prior Sale | Mar 20, 2006 · Amount on Record |
| Deed Document Number | 201909 11 059 00025 |
| Deed Book / Page | 6749 / 282 |
| Last Transfer Date | Sep 27, 2019 |
| Transfer Doc | 0000000197 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 221 CROSS ST, ELSMERE, KY 41018-2079 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 160 W MAIN ST 200, 200, NEW ALBANY, OH 43054-1189 |
| Document Number | 0005900057 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 288/474 |
| Instrument | 21102105900057 |
| Name | HOPE OF KENTUKY LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | LOUISVILLE, KY 40202 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 195 Months |
| Due | Jan 30, 2038 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 10, 2019 |
| Property Address | 221 CROSS ST, ELSMERE, KY 41018-2079 |
| Document Number | 0000000197 |
| Book / Page | 0C6775 / 000033 |
| Instrument Date | Oct 10, 2019 |
| Instrument | 197 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2019 |
| Title Company | MERCANTILE TITLE AGENCY INC, MERCANTILE TITLE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $48.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 160 W MAIN ST #200 NEW ALBANY OH 430541189, 200, NEW ALBANY, OH 43054-1189 |
| Investor | Possibly a Property Investor |
| Document Number | 184 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 0C6785/000330 |
| Instrument | 184 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | 38 FOUNTAIN SQUARE PLZ, CINCINNATI, OH 45202-3102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Oct 9, 2021 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 11, 2019 |
| Property Address | 221 CROSS ST, ELSMERE, KY 41018-2079 |
| Document Number | 0000000025 |
| Book / Page | 0C6749 / 000282 |
| Instrument Date | Sep 9, 2019 |
| Instrument | 25 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2019 |
| Title Company | MERCANTILE TITLE AGENCY INC, MERCANTILE TITLE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $330.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 160 W MAIN ST #200 NEW ALBANY OH 430541189, 200, NEW ALBANY, OH 43054-1189 |
| Investor | Possibly a Property Investor |
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 | $2,424,000 (-) Land $330,000 Building $2,094,000 | $2,424,000 (-) Land $330,000 Building $2,094,000 | |
| 2025 | $36,820.00 (-53.92%) | $2,424,000 (-54.52%) Land $330,000 Building $2,094,000 | $2,424,000 (-54.52%) Land $330,000 Building $2,094,000 |
| 2023 | $79,896.00 | $5,330,000 Land $330,000 Building $5,000,000 | $5,330,000 Land $330,000 Building $5,000,000 |
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 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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