3614 Mitten Dr, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 3614 Mitten Dr, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,064 sqft · built 1995
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Sep 2020)
Tax Bill	$2,658 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-005.29`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-005.29`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,064 sqft Finished Area
Gross Area	1,164 sqft

Exterior

Year Built	Built 1995
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	130 ft deep x 50 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0161000005.29
Street Address	3614 MITTEN DR
City	ELSMERE
State	KY
Zip	41018-2480
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHBROOK CROSSING SEC 2 LOT 14
Legal Subdivision	ASHBROOK CROSSING
Legal Phase	2
Legal Lot Number	14
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3015
Census Tract	65600

Owner

Source: Kenton County assessment roll, as of April 1, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	3614 MITTEN DR, ELSMERE, KY 41018-2480
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · FHA Mortgage OPTION FINANCIAL LLC
Sep 4, 2020	Warranty Deed, Transfer · FHA Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 4, 2020 · Amount on Record
Deed Sale	Sep 4, 2020 · Amount on Record
Prior Sale	Mar 24, 2006 · Amount on Record
Deed Document Number	0000041686
Deed Book / Page	41 / 686
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3614 MITTEN DR, ELSMERE, KY 41018-2480
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	NOT AVAILABLE, ATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900064
Date	Oct 29, 2021
Book Page	292/694
Instrument	21102905900064

Lender

Name	OPTION FINANCIAL LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45247

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 4, 2020
Property Address	3614 MITTEN DR, ELSMERE, KY 41018-2480
Document Number	0000410686
Book / Page	000041 / 000686
Instrument Date	Aug 28, 2020
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3614 MITTEN DR ELSMERE KY 410182480, ELSMERE, KY 41018-2480

Mortgage

Document Number	M940045
Date	Sep 4, 2020
Book Page	000M94/000045

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	CINCINNATI, OH 45247

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2050

Mortgage

Document Number	M940061,
Date	Sep 4, 2020
Book Page	000M94/000061

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Sep 3, 2030

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$2,658.00 (+1.33%)	$175,000 (-) Land $25,000 Building $150,000	$175,000 (-) Land $25,000 Building $150,000
2023	$2,623.00 (+13.85%)	$175,000 (+25%) Land $25,000 Building $150,000	$175,000 (+25%) Land $25,000 Building $150,000
2022	$2,304.00	$140,000 Land $20,000 Building $120,000	$140,000 Land $20,000 Building $120,000

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 527 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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