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

Kenton County property record for 323 Cross St, Elsmere, KY 41018

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,213 sqft · built 1947
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Jul 2001)
Tax Bill	$1,268 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`003-40-21-010.00`

Property Details

APN / Parcel Number

Primary APN	`003-40-21-010.00`

Interior

Building Area	2,213 sqft Finished Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	3,049 sqft (0.07 acres)

Location & Zoning

Street Address	323 CROSS ST
City	ELSMERE
State	KY
Zip	41018-2106
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	SOUTH ERLANGER PT LOTS 1699-1700-1701
Legal Subdivision	SOUTH ERLANGER
Legal Phase	1
Legal Lot Number	1699
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1004
Census Tract	65700

Owner

323 Cross St, a commercial property, is owned by an individual who acquired it in February 2008.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	323 CROSS ST, ELSMERE, KY 41018-2106
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2001 · Amount on File
Deed Sale	Jul 23, 2001 · Amount on File
Last Transfer Date	Feb 13, 2008
Transfer Doc	0005900164
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	323 CROSS ST, ELSMERE, KY 41018-2106
Document Number	0000000060
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	May 15, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	323 CROSS ST ELSMERE KY 410182106, ELSMERE, KY 41018-2106

Mortgage

Document Number	0000000060
Date	May 7, 2018
Book Page	0C6405/000181
Instrument	60

Lender

Name	BRANCH BK&TR
Type	Bank
Address	CRESCENT SPRINGS, KY 41017

Agreement

Amount	Amount on Record
Term	120 Months
Due	May 6, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 323 Cross St was $1,268.

Source: Kenton County assessment roll, as of December 2, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$83,500 (-) Land $13,500 Building $70,000	$83,500 (-) Land $13,500 Building $70,000
2025	$1,268.00	$83,500 Land $13,500 Building $70,000	$83,500 Land $13,500 Building $70,000
2023	$1,251.00	$83,500 Land $13,500 Building $70,000	$83,500 Land $13,500 Building $70,000

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

Flood

FEMA maps place 323 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

Wildfire risk around 323 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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