40 Erlanger St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 40 Erlanger St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 955 sqft · built 1947
Lot Size	0.138 acres (6,048 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Jun 2024)
Tax Bill	$2,886 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`003-40-31-008.00`

Property Details

APN / Parcel Number

Primary APN	`003-40-31-008.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	955 sqft Finished Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	6,048 sqft (0.138 acres)
Lot Dimensions	163 ft deep x 3 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 ERLANGER ST
City	ELSMERE
State	KY
Zip	41018-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEVENSON BLK A PT LOTS 29-30 41 2,3X163 IRREG
Legal Subdivision	STEVENSON
Legal Phase	A
Legal Block	A
Legal Lot Number	29,30
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
Census Tract	65700

Owner

40 Erlanger St is owned and occupied by an individual who bought it in June 2024.

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 File
Mailing Address	40 ERLANGER ST, ELSMERE, KY 41018-2101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2024 · Amount on File
Deed Sale	Jun 24, 2024 · Amount on File
Prior Sale	Mar 11, 2020 · Amount on File
Deed Document Number	20248
Deed Book / Page	291 / 37
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 11, 2020
Property Address	40 ERLANGER ST, ELSMERE, KY 41018-2101
Document Number	0000000169
Book / Page	000011 / 000343
Instrument Date	Feb 21, 2020
Instrument	169
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ERLANGER ST ELSMERE KY 410182101, ELSMERE, KY 41018-2101

Mortgage

Document Number	0000000169
Date	Mar 11, 2020
Book Page	000M18/000513
Instrument	169

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 10, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 40 Erlanger St was $2,886.

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		$190,000 (-) Land $35,000 Building $155,000	$190,000 (-) Land $35,000 Building $155,000
2025	$2,886.00	$190,000 Land $35,000 Building $155,000	$190,000 Land $35,000 Building $155,000
2023	$2,233.00	$149,000 Land $35,000 Building $114,000	$149,000 Land $35,000 Building $114,000

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

Flood

FEMA maps place 40 Erlanger St 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 40 Erlanger St 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	None beyond ember reach

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	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 558 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20