Kenton County property record for 404 Garvey Ave, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,320 sqft · built 1929 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $58,000 (Feb 1995) |
| Tax Bill | $1,608 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Sep 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-21-070.00 |
| Primary APN | 004-30-21-070.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Finished Area |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 404 GARVEY AVE |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOTS 276-277 |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 276-277 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 65600 |
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 Record |
|---|---|
| Mailing Address | 404 GARVEY AVE, ELSMERE, KY 41018-2133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 6, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Sep 21, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 17, 2020 | Quit Claim Deed, Transfer ROYAL UNITED MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 21, 1995 · Amount on Record |
| Deed Sale | Feb 21, 1995 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 404 GARVEY AVE, ELSMERE, KY 41018-2133 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900131 |
|---|---|
| Date | Dec 6, 2023 |
| Book Page | KCM 512/289 |
| Instrument | 23120605900131 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 404 GARVEY AVE, ELSMERE, KY 41018-2133 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900132 |
|---|---|
| Date | Sep 21, 2022 |
| Book Page | 408/964 |
| Instrument | 22092105900132 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 17, 2020 |
| Property Address | 404 GARVEY AVE, ELSMERE, KY 41018-2133 |
| Document Number | 0000000067 |
| Book / Page | 000012 / 000187 |
| Instrument Date | Aug 31, 2019 |
| Instrument | 67 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2020 |
| Title Company | TIMIOS INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 GARVEY AVE ELSMERE KY 410182133, ELSMERE, KY 41018-2133 |
| Document Number | 68 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 000020/000402 |
| Instrument | 68 |
| Name | ROYAL UNITED MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Mar 16, 2040 |
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 | $155,000 (-) Land $20,000 Building $135,000 | $155,000 (-) Land $20,000 Building $135,000 | |
| 2025 | $1,608.00 (-1.17%) Disabled Person's exemption | $155,000 (-) Land $20,000 Building $135,000 | $155,000 (-) Land $20,000 Building $135,000 |
| 2023 | $1,627.00 Disabled Person's exemption | $155,000 Land $20,000 Building $135,000 | $155,000 Land $20,000 Building $135,000 |
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 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 |
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