Kenton County property record for 237 Wells St, Elsmere, KY 41018
| Property Type | Landominium |
|---|---|
| Details | 2 bd · 1.5 ba · 1,088 sqft · built 2009 |
| Lot Size | 0.212 acres (9,235 sqft) |
| Owner | Individual Name on Record |
| 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 | 015-20-01-007.02 |
| Primary APN | 015-20-01-007.02 |
|---|
| 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 | 9,235 sqft (0.212 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 237 WELLS ST |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2162 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Landominium |
| Legal Description | 0.212 AC SES WELLS ST SHOWN ON ID PLAT AS PARCEL D |
| Legal Subdivision | BRADFORD MARY |
| Legal Lot Number | 1-2 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1007 |
| 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 | Individual Name on Record |
|---|---|
| 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 Record |
| Deed Sale | Jan 14, 2020 · Amount on Record |
| Deed Document Number | 20205900177 |
| Deed Book / Page | 2 / 517 |
| Prior Transfer Date | Oct 5, 2007 |
| Prior Transfer Doc | 0005900217 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 14, 2020 |
| Property Address | 237 WELLS ST, ELSMERE, KY 41018-2162 |
| Document Number | 0000000177 |
| Book / Page | 000002 / 000517 |
| Instrument Date | Jan 13, 2020 |
| Instrument | 177 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| 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 | 178 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | 0000M3/000643 |
| Instrument | 178 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 237 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 Recorded |
| Term | 24 Months |
| Due | Sep 6, 2020 |
| Rate Type | Adjustable Rate |
|---|
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 (+1.35%) | $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.
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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