Kenton County property record for 304 Swan Cir, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,350 sqft · built 1952 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $247,500 (Sep 2026) |
| Tax Bill | $2,561 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-07-033.00 |
| Primary APN | 004-30-07-033.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,350 sqft Finished Area |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 148 ft deep x 50 ft wide |
| 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 | 304 SWAN CIR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECK SEC 1 LOT 2 |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 65700 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 304 SWAN CIR, ELSMERE, KY 41018-1938 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 4, 2026 | Warranty Deed, Transfer · Conventional Mortgage RAPID MORTGAGE COMPANY |
| Sep 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage POLARIS HM FNDG |
| Mar 6, 2018 | Warranty Deed, Transfer · Conventional Mortgage POLARIS HM FNDG |
| Mar 6, 2018 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2026 · Amount on Record |
| Deed Sale | Sep 4, 2026 · Amount on Record |
| Prior Sale | Mar 6, 2018 · Amount on Record |
| Deed Document Number | 202620419 |
| Deed Book / Page | 494 / 102 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 4, 2026 |
| Property Address | 304 SWAN CIR, ELSMERE, KY 41018-1938 |
| Document Number | 0000020419 |
| Book / Page | 494 / 102 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 202620419 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $24,997.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 304 SWAN CIR, ELSMERE, KY 41018-1938 |
| Document Number | 0000020421, |
|---|---|
| Date | Sep 4, 2026 |
| Instrument | 2026090420421 |
| Name | RAPID MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 304 SWAN CIR, ELSMERE, KY 41018-1938 |
| Document Number | 0000000139 |
| Instrument Date | Sep 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 304 SWAN CIR ELSMERE KY 410181938, ELSMERE, KY 41018-1938 |
| Document Number | 0000000139 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 000M96/000871 |
| Instrument | 139 |
| Name | POLARIS HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | GRANDVILLE, MI 49418 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 10, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 6, 2018 |
| Property Address | 304 SWAN CIR, ELSMERE, KY 41018-1938 |
| Document Number | 0000000125 |
| Book / Page | 0C6366 / 000078 |
| Instrument Date | Feb 22, 2018 |
| Instrument | 125 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $126.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 304 SWAN CIR ELSMERE KY 410181938, ELSMERE, KY 41018-1938 |
| Document Number | 127 |
|---|---|
| Date | Mar 6, 2018 |
| Book Page | 0C6366/000101 |
| Instrument | 127 |
| Name | POLARIS HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | GRANDVILLE, MI 49418 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 5, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 6, 2018 |
| Property Address | 304 SWAN CIR, ELSMERE, KY 41018-1938 |
| Document Number | 0000000122 |
| Book / Page | 0C6366 / 000075 |
| Instrument Date | Jan 19, 2018 |
| Instrument | 122 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $129.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6 PENN CTR W #2ND PITTSBURGH PA 152760108, 2ND, PITTSBURGH, PA 15276-0108 |
| Investor | Possibly a Property Investor |
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 | $168,600 (-) Land $25,000 Building $143,600 | $168,600 (-) Land $25,000 Building $143,600 | |
| 2025 | $2,561.00 (+1.35%) | $168,600 (-) Land $25,000 Building $143,600 | $168,600 (-) Land $25,000 Building $143,600 |
| 2023 | $2,527.00 | $168,600 Land $25,000 Building $143,600 | $168,600 Land $25,000 Building $143,600 |
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 98% of the US · lower than 98.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | FLORENCE WATER & SEWER serves 29,351 people · EPA ID KY0080135 |
|---|---|
| Water Source | Purchased surface water from BOONE-FLORENCE WATER COMMISSION |
| Last State Inspection | Mar 2024 |
| Also Mapped Here | NORTHERN KENTUCKY WATER DISTRICT |
| Lead | Under 1 ppb (2021–2023) 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 485 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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