Kenton County property record for 403 Caldwell Dr, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,349 sqft · built 1965 |
| Lot Size | 0.142 acres (6,188 sqft) |
| Owner | Company Name on File |
| Last Sale | $90,000 (Jul 2021) |
| Tax Bill | $2,635 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Feb 2022 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-17-005.00 |
| Primary APN | 004-30-17-005.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,349 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,188 sqft (0.142 acres) |
| Lot Dimensions | 123 ft deep x 50.2 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 403 CALDWELL DR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECKS 8TH ADDN LOT 158 50.19'X 123.3' IRREG |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 8 |
| Legal Lot Number | 158 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 65700 |
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 | Company Name on File |
|---|---|
| Mailing Address | 3734 IBERVILLE CT, UNION, KY 41091-7484 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Feb 2, 2021 | Deed of Trust, Mortgage THE CITY OF ELSMERE KENTUCKY |
| Feb 2, 2022 | Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK INC |
| Jul 9, 2021 | Fiduciary Deed, Transfer · Construction Mortgage HERITAGE SOUTHEAST BANK |
| May 28, 2019 | Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 9, 2021 · Amount on File |
| Deed Sale | Jul 9, 2021 · Amount on File |
| Prior Sale | Oct 22, 1997 · Amount on File |
| Deed Document Number | 20215900112 |
| Deed Book / Page | 102 / 634 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 403 CALDWELL DR, ELSMERE, KY 41018-1914 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 403 CALDWELL DR, ELSMERE, KY 41018-1914 |
| Document Number | 0005900086 |
|---|---|
| Date | Feb 2, 2021 |
| Book Page | 161/312 |
| Instrument | 21020205900086 |
| Name | THE CITY OF ELSMERE KENTUCKY |
|---|---|
| Type | Non-Lending Institution |
| Address | ERLANGER, KY 41018 |
| Amount | Amount on Record |
|---|---|
| Term | 58 Months |
| Due | Dec 15, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 403 CALDWELL DR, ELSMERE, KY 41018-1914 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3734 IBERVILLE CT, UNION, KY 41091-7484 |
| Document Number | 0005900216 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 334/255 |
| Instrument | 22020205900216 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | COLUMBIA, KY 42728 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Jan 7, 2042 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 9, 2021 |
| Property Address | 403 CALDWELL DR, ELSMERE, KY 41018-1914 |
| Document Number | 0005900112 |
| Book / Page | 102 / 634 |
| Map Reference | PL 825 |
| Instrument Date | Jul 1, 2021 |
| Instrument | 21070905900112 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $90.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7721 CANNON VALLEY DR, FLORENCE, KY 41042-8260 |
| Name | Verified Name |
|---|---|
| Address | 3734 IBERVILLE CT, UNION, KY 41091-7484 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900113 |
|---|---|
| Date | Jul 9, 2021 |
| Book Page | 240/197 |
| Instrument | 21070905900113 |
| Name | HERITAGE SOUTHEAST BANK |
|---|---|
| Type | Bank |
| Address | FLORENCE, KY 41042 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 126 Months |
| Due | Jan 2, 2032 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 403 CALDWELL DR, ELSMERE, KY 41018-1914 |
| Document Number | 0000000334 |
| Instrument Date | May 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 403 CALDWELL DR ELSMERE KY 410181914, ELSMERE, KY 41018-1914 |
| Document Number | 0000000334 |
|---|---|
| Date | Jun 18, 2019 |
| Book Page | 0C6684/000194 |
| Instrument | 334 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71203-4774 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 17, 2049 |
| Rate | 4.5% |
|---|
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 | $173,500 (-) Land $25,000 Building $148,500 | $173,500 (-) Land $25,000 Building $148,500 | |
| 2025 | $2,635.00 (+1.35%) | $173,500 (-) Land $25,000 Building $148,500 | $173,500 (-) Land $25,000 Building $148,500 |
| 2023 | $2,600.00 | $173,500 Land $25,000 Building $148,500 | $173,500 Land $25,000 Building $148,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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