Kenton County property record for 280 Fox St, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 884 sqft · built 1991 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $216,500 (Dec 2023) |
| Tax Bill | $3,288 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-10-01-034.00 |
| Primary APN | 016-10-01-034.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 884 sqft Finished Area |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 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 | 280 FOX ST |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOTS 544-545 |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 544-545 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 65600 |
Source: Kenton County records · APN 016-10-01-034.00
Assessment roll updated December 2, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 280 FOX ST, ELSMERE, KY 41018-2413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Nov 04, 2022 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 08, 2023 | Warranty Deed, Transfer · Conventional Mortgage ONPOINT HOME LENDING |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 08, 2023 · Amount on Record |
| Deed Sale | Dec 08, 2023 · Amount on Record |
| Prior Sale | Mar 24, 2014 · Amount on Record |
| Deed Document Number | 2023139 |
| Deed Book / Page | 260 / 547 |
| Prior Transfer Date | Jan 05, 2006 |
| Prior Transfer Doc | 0005900130 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 23, 2026 |
| Property Address | 280 FOX ST, ELSMERE, KY 41018-2413 |
| Document Number | 0000007968 |
| Book / Page | 417 / 564 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 20267968 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 280 FOX ST, ELSMERE, KY 41018-2413 |
| Document Number | 0000007968, |
|---|---|
| Date | Apr 23, 2026 |
| Book Page | 417/564 |
| Instrument | 20267968 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 280 FOX ST, ELSMERE, KY 41018-2413 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Name | Verified Name |
|---|---|
| Address | 280 FOX ST, ELSMERE, KY 41018-2413 |
| Document Number | 0005900052 |
|---|---|
| Date | Nov 04, 2022 |
| Book Page | 419/332 |
| Instrument | 22110405900052 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 257 Months |
| Due | Apr 01, 2044 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 08, 2023 |
| Property Address | 280 FOX ST, ELSMERE, KY 41018-2413 |
| Document Number | 0005900139 |
| Book / Page | KC 260 / 547 |
| Map Reference | PL 294 |
| Instrument Date | Dec 05, 2023 |
| Instrument | 23120805900139 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2024 |
| Title Company | ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 280 FOX ST, ELSMERE, KY 41018-2413 |
| Name | Verified Name |
|---|---|
| Address | 280 FOX ST, ELSMERE, KY 41018-2413 |
| Document Number | 0005900140 |
|---|---|
| Date | Dec 08, 2023 |
| Book Page | KCM 512/899 |
| Instrument | 23120805900140 |
| Name | ONPOINT HOME LENDING |
|---|---|
| Type | Non-Lending Institution |
| Address | FLORENCE, KY 41042 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2054 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,288.00 (+11.08%) | $216,500 (+9.62%) Land $20,000 Building $196,500 | $216,500 (+9.62%) Land $20,000 Building $196,500 |
| 2023 | $2,960.00 | $197,500 Land $20,000 Building $177,500 | $197,500 Land $20,000 Building $177,500 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 558 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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