Kenton County property record for 312 Swan Cir, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,348 sqft · built 1953 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $123,500 (Oct 2018) |
| Tax Bill | $2,485 (2025) |
| Deeds & Mortgages | Oct 2018 Sale & Mortgage Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-07-029.00 |
| Primary APN | 004-30-07-029.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,348 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 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 | 312 SWAN CIR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECK SEC 1 LOT 6 |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 65700 |
312 Swan Cir is owned and occupied by an individual who bought it in October 2018.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 312 SWAN CIR, ELSMERE, KY 41018-1938 |
| 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.
| Date | Document |
|---|---|
| Oct 16, 2018 | Warranty Deed, Transfer · Conventional with PMI GUARDIAN SVGS BK |
| Jan 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 16, 2018 · Amount on File |
| Deed Sale | Oct 16, 2018 · Amount on File |
| Prior Sale | May 3, 2002 · Amount on File |
| Deed Document Number | 201810 16 059 00202 |
| Deed Book / Page | 6524 / 162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 16, 2018 |
| Property Address | 312 SWAN CIR, ELSMERE, KY 41018-1938 |
| Document Number | 0000000202 |
| Book / Page | 0C6524 / 000162 |
| Instrument Date | Oct 11, 2018 |
| Instrument | 202 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2018 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $123.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 312 SWAN CIR ELSMERE KY 410181938, ELSMERE, KY 41018-1938 |
| Document Number | 203 |
|---|---|
| Date | Oct 16, 2018 |
| Book Page | ORC652/000165 |
| Instrument | 203 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 15, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 312 SWAN CIR, ELSMERE, KY 41018-1938 |
| Document Number | 0000000066 |
| Book / Page | 0C6083 / 000061 |
| Instrument Date | Jan 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2017 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 312 SWAN CIR ELSMERE KY 410181938, ELSMERE, KY 41018-1938 |
| Document Number | 0000000066 |
|---|---|
| Date | Jan 26, 2017 |
| Book Page | 0C6083/000061 |
| Instrument | 66 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 25, 2032 |
The 2025 property tax bill for 312 Swan Cir was $2,485.
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 | $163,600 (-) Land $25,000 Building $138,600 | $163,600 (-) Land $25,000 Building $138,600 | |
| 2025 | $2,485.00 | $163,600 Land $25,000 Building $138,600 | $163,600 Land $25,000 Building $138,600 |
| 2023 | $2,452.00 | $163,600 Land $25,000 Building $138,600 | $163,600 Land $25,000 Building $138,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 312 Swan Cir 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 312 Swan Cir 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 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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