Kenton County property record for 402 Elken Pl, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,289 sqft · built 1964 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Sep 2026) |
| Tax Bill | $2,582 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-17-034.00 |
| Primary APN | 004-30-17-034.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,289 sqft Finished Area |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 402 ELKEN PL |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECKS 4TH ADDN LOT 196 |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 4 |
| Legal Lot Number | 196 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 65700 |
402 Elken Pl is owned by an individual who bought it in September 2026.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8458 SAINT LOUIS BLVD, UNION, KY 41091-7417 |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Sep 16, 2020 | Deed of Trust, Mortgage · Conventional with PMI UNION HM MTG CORP |
| Sep 23, 2020 | Warranty Deed, Transfer · Conventional with PMI UNION HM MTG CORP |
| Apr 3, 2017 | Warranty Deed, Transfer · FHA Mortgage GUARDIAN SVGS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2026 · Amount on File |
| Deed Sale | Sep 1, 2026 · Amount on File |
| Prior Sale | Sep 23, 2020 · Amount on File |
| Deed Document Number | 202620067 |
| Deed Book / Page | 491 / 416 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 1, 2026 |
| Property Address | 402 ELKEN PL, ELSMERE, KY 41018-1926 |
| Document Number | 0000020067 |
| Book / Page | 491 / 416 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 202620067 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2026 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22,220.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8458 SAINT LOUIS BLVD, UNION, KY 41091-7417 |
| Document Number | 0000020068, |
|---|---|
| Date | Sep 1, 2026 |
| Instrument | 2026090120068 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 402 ELKEN PL, ELSMERE, KY 41018-1926 |
| Document Number | 0000000246 |
| Instrument Date | Sep 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 402 ELKEN PL ELSMERE KY 410181926, ELSMERE, KY 41018-1926 |
| Document Number | 0000000246 |
|---|---|
| Date | Sep 23, 2020 |
| Book Page | 00M101/000128 |
| Instrument | 246 |
| Name | UNION HM MTG CORP |
|---|---|
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 22, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 23, 2020 |
| Property Address | 402 ELKEN PL, ELSMERE, KY 41018-1926 |
| Document Number | 0000000245 |
| Book / Page | 000045 / 000198 |
| Instrument Date | Sep 15, 2020 |
| Instrument | 245 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $136.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 402 ELKEN PL ELSMERE KY 410181926, ELSMERE, KY 41018-1926 |
| Document Number | 246 |
|---|---|
| Date | Sep 23, 2020 |
| Book Page | 00M101/000128 |
| Instrument | 246 |
| Name | UNION HM MTG CORP |
|---|---|
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 22, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 3, 2017 |
| Property Address | 402 ELKEN PL, ELSMERE, KY 41018-1926 |
| Document Number | 0000000213 |
| Book / Page | 0C6129 / 000011 |
| Instrument Date | Mar 31, 2017 |
| Instrument | 213 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $99.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 402 ELKEN PL ELSMERE KY 410181926, ELSMERE, KY 41018-1926 |
| Document Number | 215 |
|---|---|
| Date | Apr 3, 2017 |
| Book Page | 0C6129/000014 |
| Instrument | 215 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 2, 2047 |
| Document Number | 216, |
|---|---|
| Date | Apr 3, 2017 |
| Book Page | 0C6129/000032 |
| Instrument | 216 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Apr 2, 2022 |
| Rate | 12% |
|---|
The 2025 property tax bill for 402 Elken Pl was $2,582.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $170,000 (-) Land $25,000 Building $145,000 | $170,000 (-) Land $25,000 Building $145,000 | |
| 2025 | $2,582.00 | $170,000 Land $25,000 Building $145,000 | $170,000 Land $25,000 Building $145,000 |
| 2023 | $2,548.00 (+13.85%) | $170,000 (+25%) Land $25,000 Building $145,000 | $170,000 (+25%) Land $25,000 Building $145,000 |
| 2022 | $2,238.00 | $136,000 Land $20,000 Building $116,000 | $136,000 Land $20,000 Building $116,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 Elken Pl 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 risk around 402 Elken Pl 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 99.1% of the US · lower than 99.2% 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.
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 |
| 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.
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 |
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