326 Swan Cir, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 326 Swan Cir, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,392 sqft · built 1952
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$160,769 (Feb 2021)
Tax Bill	$2,441 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-30-07-022.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-07-022.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,392 sqft Finished Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	326 SWAN CIR
City	ELSMERE
State	KY
Zip	41018-1938
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ERPENBECK SEC 1 LOT 18
Legal Subdivision	ERPENBECK (ELSMERE)
Legal Phase	1
Legal Lot Number	18
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1021
Census Tract	65700

Owner

326 Swan Cir is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	326 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2021 · Amount on File
Deed Sale	Feb 26, 2021 · Amount on File
Deed Document Number	202150372
Deed Book / Page	74 / 294
Prior Transfer Date	Aug 13, 2014
Prior Transfer Doc	0005900218
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 26, 2021
Property Address	326 SWAN CIR, ELSMERE, KY 41018-1938
Document Number	0005900021
Book / Page	74 / 294
Map Reference	PL 619
Instrument Date	Feb 1, 2021
Instrument	21022605900021
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10156 ASH CREEK DR, 10156, UNION, KY 41091-9653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333

Mortgage

Document Number	0005900022
Date	Feb 26, 2021
Instrument	21022605900022

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 326 Swan Cir was $2,441.

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		$160,700 (-) Land $25,000 Building $135,700	$160,700 (-) Land $25,000 Building $135,700
2025	$2,441.00	$160,700 Land $25,000 Building $135,700	$160,700 Land $25,000 Building $135,700
2023	$2,408.00	$160,700 Land $25,000 Building $135,700	$160,700 Land $25,000 Building $135,700

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

Flood

FEMA maps place 326 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

Wildfire risk around 326 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.

Drinking Water

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

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 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