Kenton County property record for 223 Caldwell Dr, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,092 sqft · built 1964 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $105,000 (Jul 2012) |
| Tax Bill | $2,328 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-07-012.00 |
| Primary APN | 004-30-07-012.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,092 sqft Finished Area |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 135 ft deep x 55 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 223 CALDWELL DR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECKS 8TH ADDN LOT 226 |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 8 |
| Legal Lot Number | 226 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 65700 |
223 Caldwell Dr is owned and occupied by an individual who bought it in July 2012.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 223 CALDWELL DR, ELSMERE, KY 41018-1912 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Jun 24, 2022 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jan 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Jan 7, 2019 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2012 · Amount on File |
| Deed Sale | Jul 16, 2012 · Amount on File |
| Prior Sale | Jun 13, 2005 · Amount on File |
| Deed Document Number | 201207 16 059 00269 |
| Deed Book / Page | 4895 / 227 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 223 CALDWELL DR, ELSMERE, KY 41018-1912 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 223 CALDWELL DR, ELSMERE, KY 41018-1912 |
| Document Number | 0005900032 |
|---|---|
| Date | Jun 24, 2022 |
| Book Page | 382/888 |
| Instrument | 22062405900032 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 31, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 223 CALDWELL DR, ELSMERE, KY 41018-1912 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900104 |
|---|---|
| Date | Jan 7, 2022 |
| Book Page | 323/954 |
| Instrument | 22010705900104 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 223 CALDWELL DR, ELSMERE, KY 41018-1912 |
| Document Number | 0000000120 |
| Instrument Date | Jan 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2019 |
| Title Company | AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 223 CALDWELL DR ELSMERE KY 410181912, ELSMERE, KY 41018-1912 |
| Document Number | 0000000120 |
|---|---|
| Date | Jan 18, 2019 |
| Book Page | 0C6586/000080 |
| Instrument | 120 |
| Name | NEWREZ LLC |
|---|---|
| Address | PLYMOUTH MEETING, PA 19462 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 17, 2049 |
The 2025 property tax bill for 223 Caldwell Dr was $2,328.
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 | $153,300 (-) Land $25,000 Building $128,300 | $153,300 (-) Land $25,000 Building $128,300 | |
| 2025 | $2,328.00 | $153,300 Land $25,000 Building $128,300 | $153,300 Land $25,000 Building $128,300 |
| 2023 | $2,297.00 | $153,300 Land $25,000 Building $128,300 | $153,300 Land $25,000 Building $128,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 223 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 223 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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