Kenton County property record for 324 Swan Cir, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,332 sqft · built 1954 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Oct 2020) |
| Tax Bill | $2,839 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-07-023.00 |
| Primary APN | 004-30-07-023.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,332 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 | 324 SWAN CIR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECK SEC 1 LOT 16 |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 1 |
| Legal Lot Number | 16 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 324 SWAN CIR, ELSMERE, KY 41018-1938 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage EAGLE SVGS BK |
| Mar 17, 2017 | Warranty Deed, Transfer · FHA Mortgage HOMESERVICES LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 14, 2020 · Amount on Record |
| Deed Sale | Oct 14, 2020 · Amount on Record |
| Prior Sale | Mar 17, 2017 · Amount on Record |
| Deed Document Number | 20205900069 |
| Deed Book / Page | 49 / 35 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 14, 2020 |
| Property Address | 324 SWAN CIR, ELSMERE, KY 41018-1938 |
| Document Number | 0000000069 |
| Book / Page | 000049 / 000035 |
| Instrument Date | Oct 8, 2020 |
| Instrument | 69 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2020 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 324 SWAN CIR ELSMERE KY 410181938, ELSMERE, KY 41018-1938 |
| Document Number | 70 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 00M111/000723 |
| Instrument | 70 |
| Name | EAGLE SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45248 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 13, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 17, 2017 |
| Property Address | 324 SWAN CIR, ELSMERE, KY 41018-1938 |
| Document Number | 0000000224 |
| Book / Page | 0C6118 / 000132 |
| Instrument Date | Mar 16, 2017 |
| Instrument | 224 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $117.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 324 SWAN CIR ELSMERE KY 410181938, ELSMERE, KY 41018-1938 |
| Document Number | 225 |
|---|---|
| Date | Mar 17, 2017 |
| Book Page | 0C6118/000135 |
| Instrument | 225 |
| Name | HOMESERVICES LNDG |
|---|---|
| Address | WEST DES MOINES, IA 50266 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 16, 2047 |
| Document Number | 226, |
|---|---|
| Date | Mar 17, 2017 |
| Book Page | 0C6118/000151 |
| Instrument | 226 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Mar 16, 2022 |
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 | $186,900 (-) Land $25,000 Building $161,900 | $186,900 (-) Land $25,000 Building $161,900 | |
| 2025 | $2,839.00 (+1.36%) | $186,900 (-) Land $25,000 Building $161,900 | $186,900 (-) Land $25,000 Building $161,900 |
| 2023 | $2,801.00 | $186,900 Land $25,000 Building $161,900 | $186,900 Land $25,000 Building $161,900 |
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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