3 Cobbler Ct, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 3 Cobbler Ct, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,165 sqft · built 1965
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Apr 2025)
Tax Bill	$1,936 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-20-03-002.00`

Property Details

APN / Parcel Number

Primary APN	`016-20-03-002.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,165 sqft Finished Area
Gross Area	1,675 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3 COBBLER CT
City	ELSMERE
State	KY
Zip	41018-2744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TURKEYFOOT ACRES BLK A LOT 34
Legal Subdivision	TURKEYFOOT ACRES
Legal Phase	A
Legal Block	A
Legal Lot Number	34
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1020
Census Tract	63607

Owner

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	3 COBBLER CT, ELSMERE, KY 41018-2744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Apr 20, 2022	Deed of Trust, Mortgage GENERAL ELECTRIC CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2025 · Amount on Record
Deed Sale	Apr 16, 2025 · Amount on Record
Deed Document Number	202573
Deed Book / Page	338 / 388
Prior Transfer Date	Mar 12, 2025
Prior Transfer Doc	0000000160
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Apr 2, 2026
Property Address	3 COBBLER CT, ELSMERE, KY 41018-2744
Document Number	0000006662
Book / Page	410 / 204
Instrument Date	Mar 25, 2026
Instrument	20266662
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 COBBLER CT, ELSMERE, KY 41018-2744

Mortgage

Document Number	0000006662,
Date	Apr 2, 2026
Book Page	410/204
Instrument	20266662

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3 COBBLER CT, ELSMERE, KY 41018-2744
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	RELIABLE LAND TITLE AGENCY LLC, RELIABLE LAND TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900043
Date	Apr 20, 2022
Book Page	362/655
Instrument	22042005900043

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	10485

Agreement

Amount	Amount Recorded
Term	181 Months
Due	May 1, 2037

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Elsmere City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$150,000 (-7.75%) Land $25,000 Building $125,000	$150,000 (-7.75%) Land $25,000 Building $125,000
2025	$1,936.00 (+31.61%)	$162,600 (-) Land $25,000 Building $137,600	$162,600 (-) Land $25,000 Building $137,600
2023	$1,471.00 Homeowner's exemption	$162,600 Land $25,000 Building $137,600	$162,600 Land $25,000 Building $137,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 249 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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