Kenton County property record for 404 Caldwell Dr, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,728 sqft · built 1965 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $296,000 (Sep 2026) |
| Tax Bill | $3,038 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-08-116.00 |
| Primary APN | 004-30-08-116.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,728 sqft Finished Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 160 ft deep x 45 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 404 CALDWELL DR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1961 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECKS 8TH ADDN LOT 145 EXCEPT 2' STRIP SS & S 3' LOT 147 |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 8 |
| Legal Lot Number | 145,14 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 65700 |
404 Caldwell Dr is owned and occupied by two individuals who bought it in September 2026.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 CALDWELL DR, ELSMERE, KY 41018-1961 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
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 28, 2026 | Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Jan 21, 2021 | Quit Claim Deed, Transfer STOCKTON MTG |
| Mar 1, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2026 · Amount on File |
| Deed Sale | Sep 28, 2026 · Amount on File |
| Deed Document Number | 2026092822064 |
| Deed Book / Page | 504 / 33 |
| Prior Transfer Date | Sep 5, 2007 |
| Prior Transfer Doc | 0005900256 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 28, 2026 |
| Property Address | 404 CALDWELL DR, ELSMERE, KY 41018-1961 |
| Document Number | 0000022064 |
| Book / Page | 504 / 33 |
| Instrument Date | Sep 25, 2026 |
| Instrument | 2026092822064 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2026 |
| Title Company | KENTUCKY LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $29,896.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 CALDWELL DR, ELSMERE, KY 41018-1961 |
| Document Number | 0000022065, |
|---|---|
| Date | Sep 28, 2026 |
| Instrument | 2026092822065 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 21, 2021 |
| Property Address | 404 CALDWELL DR, ELSMERE, KY 41018-1961 |
| Document Number | 0000000020 |
| Book / Page | 000067 / 000465 |
| Instrument Date | Jan 20, 2021 |
| Instrument | 20 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 404 CALDWELL DR ELSMERE KY 410181961, ELSMERE, KY 41018-1961 |
| Document Number | 21 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 00M156/000720 |
| Instrument | 21 |
| Name | STOCKTON MTG |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 20, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 1, 2017 |
| Property Address | 404 CALDWELL DR, ELSMERE, KY 41018-1961 |
| Document Number | 0000000172 |
| Book / Page | 0C6106 / 000161 |
| Instrument Date | Feb 12, 2017 |
| Instrument | 172 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 890 BAGBY RD CRITTENDEN KY 410308957, CRITTENDEN, KY 41030-8957 |
The 2025 property tax bill for 404 Caldwell Dr was $3,038.
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 | $200,000 (-) Land $25,000 Building $175,000 | $200,000 (-) Land $25,000 Building $175,000 | |
| 2025 | $3,038.00 | $200,000 Land $25,000 Building $175,000 | $200,000 Land $25,000 Building $175,000 |
| 2023 | $2,998.00 | $200,000 Land $25,000 Building $175,000 | $200,000 Land $25,000 Building $175,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Caldwell Dr 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 404 Caldwell Dr 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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