Kenton County property record for 406 Swan Cir, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,349 sqft · built 1955 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,430 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-18-041.00 |
| Primary APN | 004-30-18-041.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,349 sqft Finished Area |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 135 ft deep x 55 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 406 SWAN CIR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECKS 1ST ADDN LOT 32 |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 1ST |
| Legal Lot Number | 32 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 65700 |
406 Swan Cir is owned by an individual who acquired it in March 2023.
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 File |
|---|---|
| Mailing Address | 487 ROSEBUD CIR, WALTON, KY 41094-7479 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK AND TRUST COMPANY |
| Oct 26, 2023 | Special Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Jul 20, 2023 | Special Warranty Deed, Foreclosure SERVICELINK CRS, SERVICELINK LLC |
| Apr 27, 2018 | Loan Modification, Mortgage · FHA Mortgage PLANET HM LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2023 |
| Deed Sale | Mar 27, 2023 |
| Prior Sale | Jul 27, 2022 · Amount on File |
| Deed Document Number | 20234 |
| Deed Book / Page | 219 / 401 |
| Prior Transfer Date | Jul 21, 2022 |
| Prior Transfer Doc | 0000000288 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 17, 2026 |
| Property Address | 406 SWAN CIR, ELSMERE, KY 41018-1940 |
| Document Number | 0000007394 |
| Book / Page | 413 / 964 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 20267394 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 487 ROSEBUD CIR, WALTON, KY 41094-7479 |
| Document Number | 0000007394, |
|---|---|
| Date | Apr 17, 2026 |
| Book Page | 413/964 |
| Instrument | 20267394 |
| Name | REPUBLIC BANK AND TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 26, 2023 |
| Property Address | 406 SWAN CIR, ELSMERE, KY 41018-1940 |
| Document Number | 0005900084 |
| Book / Page | KC 254 / 86 |
| Map Reference | PL 645 |
| Instrument Date | Jul 14, 2023 |
| Instrument | 23102605900084 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 810 VERMONT AVE NW, WASHINGTON, DC 20420-0001 |
| Name | Verified Name |
|---|---|
| Address | 487 ROSEBUD CIR, WALTON, KY 41094-7479 |
| Document Number | 0005900085 |
|---|---|
| Date | Oct 26, 2023 |
| Book Page | KCM 503/1 |
| Instrument | 23102605900085 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 20, 2023 |
| Property Address | 406 SWAN CIR, ELSMERE, KY 41018-1940 |
| Document Number | 0005900101 |
| Book / Page | KC 236 / 664 |
| Map Reference | PL 645 |
| Instrument Date | May 17, 2023 |
| Instrument | 23072005900101 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 2, 2023 |
| Title Company | SERVICELINK CRS, SERVICELINK LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8616 FREEPORT PKWY # 100, 100, IRVING, TX 75063-2575 |
| Name | Verified Name |
|---|---|
| Address | 3401 WEST END AVE STE 760, 760, NASHVILLE, TN 37203-6860 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 406 SWAN CIR, ELSMERE, KY 41018-1940 |
| Document Number | 0000000066 |
| Instrument Date | Apr 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2018 |
| Name | Verified Name |
|---|---|
| Address | 406 SWAN CIR ELSMERE KY 410181940, ELSMERE, KY 41018-1940 |
| Document Number | 0000000066 |
|---|---|
| Date | May 25, 2018 |
| Book Page | 0C6418/000226 |
| Instrument | 66 |
| Name | PLANET HM LNDG |
|---|---|
| Address | MERIDIAN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 24, 2048 |
| Rate | 4.62% |
|---|
The 2025 property tax bill for 406 Swan Cir was $2,430.
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 | $160,000 (-) Land $25,000 Building $135,000 | $160,000 (-) Land $25,000 Building $135,000 | |
| 2025 | $2,430.00 | $160,000 Land $25,000 Building $135,000 | $160,000 Land $25,000 Building $135,000 |
| 2023 | $2,623.00 (+25.98%) | $175,000 (+38.34%) Land $25,000 Building $150,000 | $175,000 (+38.34%) Land $25,000 Building $150,000 |
| 2022 | $2,082.00 | $126,500 Land $20,000 Building $106,500 | $126,500 Land $20,000 Building $106,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 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 406 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 | 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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