Kenton County property record for 251 Garvey Ave, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 924 sqft · built 1904 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Nov 2021) |
| Tax Bill | $1,152 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Nov 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-23-007.00 |
| Primary APN | 003-40-23-007.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 924 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 251 GARVEY AVE |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOT 90 |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 90 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 65600 |
251 Garvey Ave is owned and occupied by an individual who bought it in November 2021.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 251 GARVEY AVE, ELSMERE, KY 41018-2128 |
| 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 |
|---|---|
| Jan 26, 2024 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Nov 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage VICTORY MORTGAGE LLC |
| Jun 2, 2021 | Deed, Transfer KENTUCKIANA TITLE AGENCY LLC, KENTUCKIANA TITLE AGENCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 2021 · Amount on File |
| Deed Sale | Nov 24, 2021 · Amount on File |
| Prior Sale | Jun 2, 2021 · Amount on File |
| Deed Document Number | 20215900237 |
| Deed Book / Page | 133 / 289 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 251 GARVEY AVE, ELSMERE, KY 41018-2128 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 251 GARVEY AVE, ELSMERE, KY 41018-2128 |
| Document Number | 0005900079 |
|---|---|
| Date | Jan 26, 2024 |
| Book Page | KCM 522/468 |
| Instrument | 24012605900079 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 12, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 24, 2021 |
| Property Address | 251 GARVEY AVE, ELSMERE, KY 41018-2128 |
| Document Number | 0005900237 |
| Book / Page | 133 / 289 |
| Map Reference | PL 294 |
| Instrument Date | Nov 23, 2021 |
| Instrument | 21112405900237 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | HOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGENCY LTD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 699 GLENWAY DR, HAMILTON, OH 45013-3537 |
| Name | Verified Name |
|---|---|
| Address | 251 GARVEY AVE, ELSMERE, KY 41018-2128 |
| Document Number | 0005900238 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 21112405900238 |
| Name | VICTORY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 2, 2021 |
| Property Address | 251 GARVEY AVE, ELSMERE, KY 41018-2128 |
| Document Number | 0005900251 |
| Book / Page | 94 / 694 |
| Map Reference | PL 294 |
| Instrument Date | May 27, 2021 |
| Instrument | 21060205900251 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | KENTUCKIANA TITLE AGENCY LLC, KENTUCKIANA TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Tax | $79.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1195 DONNER DR, FLORENCE, KY 41042-4778 |
| Name | Verified Name |
|---|---|
| Address | 699 GLENWAY DR, HAMILTON, OH 45013-3537 |
The 2025 property tax bill for 251 Garvey Ave was $1,152 with a homeowner's exemption.
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 | $125,000 (-) Land $10,000 Building $115,000 | $125,000 (-) Land $10,000 Building $115,000 | |
| 2025 | $1,152.00 Homeowner's exemption | $125,000 Land $10,000 Building $115,000 | $125,000 Land $10,000 Building $115,000 |
| 2023 | $1,178.00 Homeowner's exemption | $125,000 Land $10,000 Building $115,000 | $125,000 Land $10,000 Building $115,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 251 Garvey Ave 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 251 Garvey Ave 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 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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