408 Florence Ct, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 408 Florence Ct, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,076 sqft · built 1910
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$180,900 (Sep 2025)
Tax Bill	$1,708 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Feb 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`016-10-01-184.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-01-184.00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,076 sqft Finished Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	408 FLORENCE CT
City	ELSMERE
State	KY
Zip	41018-2326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH ERLANGER LOTS 1279-1280-1283
Legal Subdivision	SOUTH ERLANGER
Legal Phase	3
Legal Lot Number	1279-12
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2015
Census Tract	65600

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3615 STEEP CREEK RD, COVINGTON, KY 41015-9331
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 29, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2025 · Amount on Record
Deed Sale	Sep 23, 2025 · Amount on Record
Prior Sale	Feb 29, 2024 · Amount on Record
Deed Document Number	2025092389
Deed Book / Page	364 / 841
Prior Transfer Date	Mar 19, 2004
Prior Transfer Doc	0324059001
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 23, 2025
Property Address	408 FLORENCE CT, ELSMERE, KY 41018-2326
Document Number	0005900089
Book / Page	KC 364 / 841
Instrument Date	Sep 19, 2025
Instrument	25092305900089
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4790 DELHI RD, CINCINNATI, OH 45238-5458

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3615 STEEP CREEK RD, COVINGTON, KY 41015-9331

Mortgage

Document Number	0005900090
Date	Sep 23, 2025
Instrument	25092305900090

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 29, 2024
Property Address	408 FLORENCE CT, ELSMERE, KY 41018-2326
Document Number	0005900065
Book / Page	KC 271 / 987
Map Reference	PL 296
Instrument Date	Feb 28, 2024
Instrument	24022905900065
Transaction Type	Transfer
Record Updated	Mar 22, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 HAWK DR, BURNSIDE, KY 42519-9129

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4790 DELTH ROAD, CINCINNATI, OH 45238-5458

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Elsmere City
Unified School District	Erlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$180,900 (+60.8%) Land $35,000 Building $145,900	$180,900 (+60.8%) Land $35,000 Building $145,900
2025	$1,708.00 (+2.89%)	$112,500 (-27.18%) Land $35,000 Building $77,500	$112,500 (-27.18%) Land $35,000 Building $77,500
2024	$1,660.00 (+2.47%) Disabled Person's exemption	$154,500 (-) Land $35,000 Building $119,500	$154,500 (-) Land $35,000 Building $119,500
2023	$1,620.00 Disabled Person's exemption	$154,500 Land $35,000 Building $119,500	$154,500 Land $35,000 Building $119,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 527 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Florence Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures