3645 Pondside Ct, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 3645 Pondside Ct, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,234 sqft · built 1996
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$177,000 (Feb 2020)
Tax Bill	$2,842 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-00-005.65`

Property Details

APN / Parcel Number

Primary APN	`016-10-00-005.65`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,234 sqft Finished Area
Gross Area	1,863 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3645 PONDSIDE CT
City	ELSMERE
State	KY
Zip	41018-2493
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHBROOK CROSSING SEC 3 LOT 65
Legal Subdivision	ASHBROOK CROSSING
Legal Phase	3
Legal Lot Number	65
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
Census Tract	65600

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	3645 PONDSIDE CT, ELSMERE, KY 41018-2493
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit GENERAL ELECTRIC CREDIT UNION
May 4, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 17, 2020	Warranty Deed, Transfer · FHA Mortgage US BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 17, 2020 · Amount on Record
Deed Sale	Feb 17, 2020 · Amount on Record
Prior Sale	Nov 7, 2016 · Amount on Record
Deed Document Number	20205900342
Deed Book / Page	7 / 719
Last Transfer Date	Apr 27, 2026
Transfer Doc	0000009012
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jun 22, 2026
Property Address	3645 PONDSIDE CT, ELSMERE, KY 41018-2493
Document Number	0000012866
Book / Page	448 / 497
Instrument Date	Jun 6, 2026
Instrument	202612866
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 PONDSIDE CT, ELSMERE, KY 41018-2493

Mortgage

Document Number	0000012866,
Date	Jun 22, 2026
Book Page	448/497
Instrument	202612866

Lender

Name	GENERAL ELECTRIC CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 6, 2046

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	May 4, 2026
Property Address	3645 PONDSIDE CT, ELSMERE, KY 41018-2493
Document Number	0000009012
Book / Page	423 / 837
Instrument Date	Apr 27, 2026
Instrument	20269012
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 PONDSIDE CT, ELSMERE, KY 41018-2493

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 17, 2020
Property Address	3645 PONDSIDE CT, ELSMERE, KY 41018-2493
Document Number	0000000342
Book / Page	000007 / 000719
Instrument Date	Feb 13, 2020
Instrument	342
Transaction Type	Transfer
Record Updated	Apr 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$177.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3645 PONDSIDE CT ELSMERE KY 410182493, ELSMERE, KY 41018-2493

Mortgage

Document Number	343
Date	Feb 17, 2020
Book Page	000M12/000548
Instrument	343

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 16, 2050

Tax Assessment & Valuation

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
2025	$2,842.00 (+1.36%)	$187,100 (-) Land $30,000 Building $157,100	$187,100 (-) Land $30,000 Building $157,100
2023	$2,804.00	$187,100 Land $30,000 Building $157,100	$187,100 Land $30,000 Building $157,100

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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