3 Harvest Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 3 Harvest Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,044 sqft · built 1965
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Apr 2016)
Tax Bill	$1,785 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`017-10-03-014.00`

Property Details

APN / Parcel Number

Primary APN	`017-10-03-014.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,044 sqft Finished Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 HARVEST LN
City	ELSMERE
State	KY
Zip	41018-2753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TURKEYFOOT ACRES LOT 116 BLK C
Legal Subdivision	TURKEYFOOT ACRES
Legal Phase	C
Legal Block	C
Legal Lot Number	116
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1020
Census Tract	63607

Owner

3 Harvest Ln is owned and occupied by an individual who bought it in April 2016.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	3 HARVEST LN, ELSMERE, KY 41018-2753
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 13, 2018	Warranty Deed, Transfer · Conventional with PMI OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2016 · Amount on File
Deed Sale	Apr 12, 2016 · Amount on File
Prior Sale	Aug 4, 2015 · Amount on File
Deed Document Number	201604 12 059 00005
Deed Book / Page	5870 / 134
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3 HARVEST LN, ELSMERE, KY 41018-2753
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900113
Date	Jan 10, 2022
Book Page	324/681
Instrument	22011005900113

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 13, 2018
Property Address	3 HARVEST LN, ELSMERE, KY 41018-2753
Document Number	0000000191
Book / Page	0C6430 / 000185
Instrument Date	Jun 11, 2018
Instrument	191
Transaction Type	Transfer
Record Updated	Jul 5, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HARVEST LN ELSMERE KY 410182753, ELSMERE, KY 41018-2753

Mortgage

Document Number	192
Date	Jun 13, 2018
Book Page	0C6430/000188
Instrument	192

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2048

Mortgage

Document Number	196,
Date	Jun 13, 2018
Book Page	0C6430/000207
Instrument	196

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jun 12, 2028

Interest

Rate	12%

Tax Assessment & Valuation

The 2025 property tax bill for 3 Harvest Ln was $1,785.

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		$149,900 (-) Land $25,000 Building $124,900	$149,900 (-) Land $25,000 Building $124,900
2025	$1,785.00	$149,900 Land $25,000 Building $124,900	$149,900 Land $25,000 Building $124,900
2023	$1,897.00	$149,900 Land $25,000 Building $124,900	$149,900 Land $25,000 Building $124,900

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

Flood

FEMA maps place 3 Harvest Ln 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

Wildfire risk around 3 Harvest Ln is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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.

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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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