Kenton County property record for 311 Cross St, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,368 sqft · built 1968 |
| Lot Size | 0.069 acres (3,006 sqft) |
| Owner | Individual Name on File |
| Last Sale | $25,000 (Sep 2012) |
| Tax Bill | $2,290 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-21-015.00 |
| Primary APN | 003-40-21-015.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,368 sqft Finished Area |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,006 sqft (0.069 acres) |
| Lot Dimensions | 108 ft deep x 27.6 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 | 311 CROSS ST |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER FRONT PT LOT 1692 27.57'X 108.9' SES CROSS ST. |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Phase | 5 |
| Legal Lot Number | 1692,1 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 65700 |
311 Cross St is owned by an individual who bought it in September 2012.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1142 CHESTNUT CT, INDEPENDENCE, KY 41051-9517 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2012 · Amount on File |
| Deed Sale | Sep 28, 2012 · Amount on File |
| Deed Document Number | 201209 28 059 00219 |
| Deed Book / Page | 4963 / 154 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 311 CROSS ST, ELSMERE, KY 41018-2106 |
| Document Number | 0000000090 |
| Instrument Date | Nov 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 311 CROSS ST ELSMERE KY 410182106, ELSMERE, KY 41018-2106 |
| Document Number | 0000000090 |
|---|---|
| Date | Dec 26, 2018 |
| Book Page | 0C6569/000294 |
| Instrument | 90 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 25, 2048 |
The 2025 property tax bill for 311 Cross St was $2,290.
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 | $150,800 (-) Land $10,000 Building $140,800 | $150,800 (-) Land $10,000 Building $140,800 | |
| 2025 | $2,290.00 | $150,800 Land $10,000 Building $140,800 | $150,800 Land $10,000 Building $140,800 |
| 2023 | $2,260.00 | $150,800 Land $10,000 Building $140,800 | $150,800 Land $10,000 Building $140,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 311 Cross St 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 risk around 311 Cross St is low, with less than 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 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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