313 Cross St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 313 Cross St, Elsmere, KY 41018 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 848 sqft · built 1965
Lot Size	0.056 acres (2,442 sqft)
Owner	Company Name on File
Last Sale	$65,000 (Dec 2025)
Tax Bill	$1,184 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`003-40-21-014.00`

Property Details

APN / Parcel Number

Primary APN	`003-40-21-014.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	848 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,442 sqft (0.056 acres)
Lot Dimensions	88.5 ft deep x 27.6 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0034021014.00
Street Address	313 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 1693 27.57'X 88.5'
Legal Subdivision	SOUTH ERLANGER
Legal Lot Number	1693
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1004
Census Tract	65700

Owner

Source: Kenton County records · APN 003-40-21-014.00

Assessment roll updated April 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	7004 OCONNELL PL, UNION, KY 41091-7544
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN HERITAGE LENDING
Dec 04, 2025	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 04, 2025 · Amount on Record
Deed Sale	Dec 04, 2025 · Amount on Record
Prior Sale	Nov 26, 1997 · Amount on Record
Deed Document Number	25120405900064
Deed Book / Page	KC 378 / 549
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jun 25, 2026
Property Address	313 CROSS ST, ELSMERE, KY 41018-2106
Document Number	0000013261
Book / Page	451 / 342
Instrument Date	Jun 03, 2026
Instrument	202613261
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000013261,
Date	Jun 25, 2026
Book Page	451/342
Instrument	202613261

Lender

Name	AMERICAN HERITAGE LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 04, 2025
Property Address	313 CROSS ST, ELSMERE, KY 41018-2106
Document Number	0005900064
Book / Page	KC 378 / 549
Map Reference	MB C5714 PG 119
Instrument Date	Dec 02, 2025
Instrument	25120405900064
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 W 2ND ST, GEORGETOWN, OH 45121-1507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7004 OCONNELL PL, UNION, KY 41091-7544

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,184.00 (+1.28%)	$78,000 (-) Land $10,000 Building $68,000	$78,000 (-) Land $10,000 Building $68,000
2023	$1,169.00	$78,000 Land $10,000 Building $68,000	$78,000 Land $10,000 Building $68,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 558 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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