Kenton County property record for 231 Wells St, Elsmere, KY 41018
| Property Type | Landominium |
|---|---|
| Details | 2 bd · 1.5 ba · 1,088 sqft · built 2009 |
| Lot Size | 0.068 acres (2,962 sqft) |
| Owner | Individual Name on File |
| Last Sale | $86,875 (Jan 2020) |
| Tax Bill | $1,648 (2025) |
| Deeds & Mortgages | Jan 2020 Sale & Mortgage Jun 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-20-01-001.01 |
| Primary APN | 015-20-01-001.01 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,088 sqft Finished Area |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 2,962 sqft (0.068 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 231 WELLS ST |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2162 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Landominium |
| Legal Description | 0.068 AC SES WELLS ST SHOWN ON ID PLAT AS PARCEL A |
| Legal Subdivision | SOUTH ERLANGER SUBDIVISION |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 65600 |
231 Wells St, a landominium, is owned by an individual who bought it in January 2020.
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 | Individual Name on File |
|---|---|
| Mailing Address | 1226 HANDS PIKE, COVINGTON, KY 41017-9454 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SVGS BK |
| Jun 29, 2018 | Deed of Trust, Mortgage · Line of Credit HERITAGE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 14, 2020 · Amount on File |
| Deed Sale | Jan 14, 2020 · Amount on File |
| Prior Sale | Dec 5, 2013 · Amount on File |
| Deed Document Number | 20205900167 |
| Deed Book / Page | 2 / 506 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 14, 2020 |
| Property Address | 231 WELLS ST, ELSMERE, KY 41018-2162 |
| Document Number | 0000000167 |
| Book / Page | 000002 / 000506 |
| Instrument Date | Jan 13, 2020 |
| Instrument | 167 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $87.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1226 HANDS PIKE COVINGTON KY 410179454, COVINGTON, KY 41017-9454 |
| Document Number | 168 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | 0000M3/000621 |
| Instrument | 168 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 231 WELLS ST, ELSMERE, KY 41018-2162 |
| Document Number | 0000000143 |
| Instrument Date | Jun 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 908 KEENELAND GREEN DR UNION KY 410918025, UNION, KY 41091-8025 |
| Document Number | 0000000143 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 0C6497/000108 |
| Instrument | 143 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | UNION, KY 41091 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Sep 6, 2020 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 231 Wells St was $1,648.
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 | $108,500 (-) Land $10,000 Building $98,500 | $108,500 (-) Land $10,000 Building $98,500 | |
| 2025 | $1,648.00 | $108,500 Land $10,000 Building $98,500 | $108,500 Land $10,000 Building $98,500 |
| 2023 | $1,626.00 | $108,500 Land $10,000 Building $98,500 | $108,500 Land $10,000 Building $98,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 231 Wells St 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 231 Wells St 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 | 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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