Kenton County property record for 403 Swan Cir, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,386 sqft · built 1955 |
| Lot Size | 0.193 acres (8,434 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Apr 2024) |
| Tax Bill | $3,265 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-08-054.00 |
| Primary APN | 004-30-08-054.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,386 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,434 sqft (0.193 acres) |
| Lot Dimensions | 145 ft deep x 58 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 403 SWAN CIR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1939 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECKS 1ST ADDN LOT 29 58'X 145.41' IRREG |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 1ST |
| Legal Lot Number | 29 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 65700 |
403 Swan Cir is owned and occupied by two individuals who bought it in April 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 SWAN CIR, ELSMERE, KY 41018-1939 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Apr 3, 2024 | Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Aug 19, 2020 | Deed of Trust, Mortgage · Conventional with PMI FIFTH THIRD BK |
| Nov 21, 2018 | Warranty Deed, Transfer · FHA Mortgage GUARDIAN SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2024 · Amount on File |
| Deed Sale | Apr 3, 2024 · Amount on File |
| Prior Sale | Nov 21, 2018 · Amount on File |
| Deed Document Number | 202432 |
| Deed Book / Page | 277 / 583 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 3, 2024 |
| Property Address | 403 SWAN CIR, ELSMERE, KY 41018-1939 |
| Document Number | 0005900032 |
| Book / Page | KC 277 / 583 |
| Instrument Date | Mar 29, 2024 |
| Instrument | 24040305900032 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2024 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 403 SWAN CIR, ELSMERE, KY 41018-1939 |
| Document Number | 0005900033 |
|---|---|
| Date | Apr 3, 2024 |
| Instrument | 24040305900033 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Document Number | 0005900033 |
|---|---|
| Date | Apr 3, 2024 |
| Book Page | KCM537/764 |
| Instrument | 24040305900033 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | 1265 CORONA POINTE CT STE 301, CORONA, CA 92879 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 403 SWAN CIR, ELSMERE, KY 41018-1939 |
| Document Number | 0000000005 |
| Instrument Date | Aug 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 403 SWAN CIR ELSMERE KY 410181939, ELSMERE, KY 41018-1939 |
| Document Number | 0000000005 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 000M87/000649 |
| Instrument | 5 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 24, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 21, 2018 |
| Property Address | 403 SWAN CIR, ELSMERE, KY 41018-1939 |
| Document Number | 0000000024 |
| Book / Page | 0C6549 / 000198 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 24 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2018 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $90.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 SWAN CIR ELSMERE KY 410181939, ELSMERE, KY 41018-1939 |
| Document Number | 26 |
|---|---|
| Date | Nov 21, 2018 |
| Book Page | 0C6549/000201 |
| Instrument | 26 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 20, 2048 |
The 2025 property tax bill for 403 Swan Cir was $3,265.
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 | $215,000 (-) Land $25,000 Building $190,000 | $215,000 (-) Land $25,000 Building $190,000 | |
| 2025 | $3,265.00 | $215,000 Land $25,000 Building $190,000 | $215,000 Land $25,000 Building $190,000 |
| 2023 | $2,521.00 | $168,200 Land $25,000 Building $143,200 | $168,200 Land $25,000 Building $143,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Swan Cir 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 403 Swan Cir 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 | FLORENCE WATER & SEWER serves 29,351 people · EPA ID KY0080135 |
|---|---|
| Water Source | Purchased surface water from BOONE-FLORENCE WATER COMMISSION |
| Last State Inspection | Mar 2024 |
| Also Mapped Here | NORTHERN KENTUCKY WATER DISTRICT |
| Lead | Under 1 ppb (2021–2023) 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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