Kenton County property record for 322 Swan Cir, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,349 sqft · built 1954 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $119,900 (May 2018) |
| Tax Bill | $2,561 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Sep 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-07-024.00 |
| Primary APN | 004-30-07-024.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,349 sqft Finished Area |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 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 | 322 SWAN CIR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECK SEC 1 LOT 14 |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 1 |
| Legal Lot Number | 14 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 322 SWAN CIR, ELSMERE, KY 41018-1938 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 23, 2025 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 8, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jun 5, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| May 17, 2018 | Grant Deed, Transfer · FHA Mortgage GUARDIAN SVGS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 17, 2018 · Amount on Record |
| Deed Sale | May 17, 2018 · Amount on Record |
| Prior Sale | Oct 21, 1996 · Amount on Record |
| Deed Document Number | 201805 17 059 00071 |
| Deed Book / Page | 6412 / 176 |
| Prior Transfer Date | Aug 8, 2006 |
| Prior Transfer Doc | 0005900234 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 322 SWAN CIR, ELSMERE, KY 41018-1938 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0005900047 |
|---|---|
| Date | Oct 23, 2025 |
| Book Page | KCM 699/469 |
| Instrument | 25102305900047 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 322 SWAN CIR, ELSMERE, KY 41018-1938 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005900103 |
|---|---|
| Date | Sep 8, 2023 |
| Book Page | KCM 490/550 |
| Instrument | 23090805900103 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 322 SWAN CIR, ELSMERE, KY 41018-1938 |
| Document Number | 0000000257 |
| Instrument Date | Jun 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 322 SWAN CIR ELSMERE KY 410181938, ELSMERE, KY 41018-1938 |
| Document Number | 0000000257 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 000M93/000509 |
| Instrument | 257 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Sep 2, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 17, 2018 |
| Property Address | 322 SWAN CIR, ELSMERE, KY 41018-1938 |
| Document Number | 0000000071 |
| Book / Page | 0C6412 / 000176 |
| Instrument Date | May 8, 2018 |
| Instrument | 71 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2018 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $119.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 322 SWAN CIR ELSMERE KY 410181938, ELSMERE, KY 41018-1938 |
| Document Number | 72 |
|---|---|
| Date | May 17, 2018 |
| Book Page | 0C6412/000179 |
| Instrument | 72 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 16, 2048 |
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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