Kenton County property record for 261 Palace Ave, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 1925 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $171,400 (Feb 2026) |
| Tax Bill | $1,839 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Feb 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-10-01-014.00 |
| Primary APN | 016-10-01-014.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,360 sqft Finished Area |
| Gross Area | 1,796 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 15,682 sqft (0.36 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 261 PALACE AVE |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOTS 405 THRU 409 |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 405-4 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1005 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 261 PALACE AVE, ELSMERE, KY 41018-2136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Feb 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Feb 3, 2026 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2026 · Amount on Record |
| Deed Sale | Feb 3, 2026 · Amount on Record |
| Deed Document Number | 202602032159 |
| Deed Book / Page | 388 / 147 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 261 PALACE AVE, ELSMERE, KY 41018-2136 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 419 GARVEY AVE, ELSMERE, KY 41018-2132 |
| Document Number | 0000002160 |
|---|---|
| Date | Feb 3, 2026 |
| Book Page | 730/579 |
| Instrument | 26059000002160 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 3, 2026 |
| Property Address | 261 PALACE AVE, ELSMERE, KY 41018-2136 |
| Document Number | 0000002159 |
| Book / Page | 388 / 147 |
| Map Reference | PL 294 |
| Instrument Date | Jan 29, 2026 |
| Instrument | 26059000002159 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $171.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1360 ASHFORD PL, FLORENCE, KY 41042-9319 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 261 PALACE AVE, ELSMERE, KY 41018-2136 |
| Document Number | 0000002160 |
|---|---|
| Date | Feb 3, 2026 |
| Instrument | 26059000002160 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2056 |
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 | $170,200 (-) Land $35,000 Building $135,200 | $170,200 (-) Land $35,000 Building $135,200 | |
| 2025 | $1,839.00 (-0.86%) Homeowner's exemption | $170,200 (-) Land $35,000 Building $135,200 | $170,200 (-) Land $35,000 Building $135,200 |
| 2023 | $1,855.00 Homeowner's exemption | $170,200 Land $35,000 Building $135,200 | $170,200 Land $35,000 Building $135,200 |
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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