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3649 Pondside Ct, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 3649 Pondside Ct, Elsmere, KY 41018

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 998 sqft · built 1999
Lot Size0.15 acres (6,534 sqft)
Owner2 Individual Names on File
Last Sale$250,000 (Feb 2025)
Tax Bill$3,104 (2025)
Deeds & MortgagesFeb 2025 Sale & Mortgage
Aug 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN016-10-00-005.66

Property Details

APN / Parcel Number

Primary APN016-10-00-005.66

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area998 sqft Finished Area
Gross Area1,118 sqft

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Construction TypeBrick
Roof MaterialComposition Shingle
Lot Area6,534 sqft (0.15 acres)
Garage TypeBasement
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Street Address3649 PONDSIDE CT
CityELSMERE
StateKY
Zip41018-2493
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionASHBROOK CROSSING SEC 3 LOT 66
Legal SubdivisionASHBROOK CROSSING
Legal Phase3
Legal Lot Number66
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group3
Census Block3014
Census Tract65600

Owner

Source: Kenton County assessment roll, APN 016-10-00-005.66, as of December 2, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address3649 PONDSIDE CT, ELSMERE, KY 41018-2493
OccupancyOwner Occupied
Owner TypeIndividual
VestingRemainderman

Deeds, Mortgages & Sale History

DateDocument
Feb 25, 2025Warranty Deed, Transfer · FHA Mortgage
CROSSCOUNTRY MORTGAGE LLC
Aug 28, 2020Deed of Trust, Mortgage · Conventional Mortgage
CENTRAL BK
Sep 03, 2020Warranty Deed, Transfer · Conventional Mortgage
CENTRAL BK
May 10, 2018Warranty Deed, Transfer · Conventional Mortgage
SIBCY CLINE MTG SVCS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 25, 2025 · Amount on Record
Deed SaleFeb 25, 2025 · Amount on Record
Prior SaleSep 03, 2020 · Amount on Record
Deed Document Number202566
Deed Book / Page330 / 786
Record UpdatedSep 20, 2026

February 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateFeb 25, 2025
Property Address3649 PONDSIDE CT, ELSMERE, KY 41018-2493
Document Number0005900066
Book / PageKC 330 / 786
Map ReferencePL 1731
Instrument DateFeb 21, 2025
Instrument25022505900066
Transaction TypeTransfer
Record UpdatedMar 11, 2025
Title Company360 AMERICAN TITLE SERVICES

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5730 N 400 W, MADISON, IN 47250-7966

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3649 PONDSIDE CT, ELSMERE, KY 41018-2493

Mortgage

Document Number0005900067
DateFeb 25, 2025
Instrument25022505900067
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2055

Mortgage

Document Number0005900068
DateFeb 25, 2025
Book PageKCM 627/594
Instrument25022505900068
Lender
NameLEXINGTON-FAYETTE URBAN COUNTY GOV
TypeGovernment Agency
AddressFRANKFORT, KY 40601
Agreement
TypeLine of Credit
AmountAmount Recorded
Term121 Months
DueMar 01, 2035

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3649 PONDSIDE CT, ELSMERE, KY 41018-2493
Document Number0000000238
Instrument DateAug 28, 2020
Transaction TypeMortgage
Record UpdatedOct 05, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3649 PONDSIDE CT ELSMERE KY 410182493, ELSMERE, KY 41018-2493

Mortgage

Document Number0000000238
DateSep 03, 2020
Book Page000M93/000437
Instrument238
Lender
NameCENTRAL BK
TypeBank
AddressLEXINGTON, KY 40507
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 02, 2050

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateSep 03, 2020
Property Address3649 PONDSIDE CT, ELSMERE, KY 41018-2493
Document Number0000000238
Book / Page000041 / 000423
Instrument DateAug 19, 2020
Instrument238
Transaction TypeTransfer
Record UpdatedOct 08, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$164.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3649 PONDSIDE CT ELSMERE KY 410182493, ELSMERE, KY 41018-2493

Mortgage

Document Number0000000238
DateSep 03, 2020
Book Page000M93/000437
Instrument238
Lender
NameCENTRAL BK
TypeBank
AddressLEXINGTON, KY 40507
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 02, 2050

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMay 10, 2018
Property Address3649 PONDSIDE CT, ELSMERE, KY 41018-2493
Document Number0000000162
Book / Page0C6408 / 000283
Instrument DateMay 04, 2018
Instrument162
Transaction TypeTransfer
Record UpdatedMay 25, 2018
Title CompanySIBCY CLINE TITLE AGENCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$141.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3649 PONDSIDE CLURT ELSMERE KY 41018, ELSMERE, KY 41018

Mortgage

Document Number164
DateMay 10, 2018
Book Page0C6408/000287
Instrument164
Lender
NameSIBCY CLINE MTG SVCS
TypeMortgage Company
AddressCINCINNATI, OH 45236
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 09, 2048

Tax Assessment & Valuation

Source: Kenton County assessment roll as of December 2, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityElsmere City
Unified School DistrictErlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,104.00 (+1.34%)$204,400 (-) Land $25,000 Building $179,400$204,400 (-) Land $25,000 Building $179,400
2023$3,063.00$204,400 Land $25,000 Building $179,400$204,400 Land $25,000 Building $179,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, 527 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY0590220, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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