Kenton County property record for 409 Elken Pl, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,102 sqft · built 1958 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Aug 2007) |
| Tax Bill | $1,573 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-18-005.00 |
| Primary APN | 004-30-18-005.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,102 sqft Finished Area |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 409 ELKEN PL |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECKS 4TH ADDN LOT 199 |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 4 |
| Legal Lot Number | 199 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 65700 |
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 | 409 ELKEN PL, ELSMERE, KY 41018-1925 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK |
| Aug 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 3, 2007 · Amount on Record |
| Deed Sale | Aug 3, 2007 · Amount on Record |
| Deed Document Number | 200708 03 059 00047 |
| Deed Book / Page | 3464 / 76 |
| Prior Transfer Date | Jul 30, 2007 |
| Prior Transfer Doc | 0803059000 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 21, 2026 |
| Property Address | 409 ELKEN PL, ELSMERE, KY 41018-1925 |
| Document Number | 0000015658 |
| Book / Page | 463 / 767 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202615658 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 409 ELKEN PL, ELSMERE, KY 41018-1925 |
| Document Number | 0000015658, |
|---|---|
| Date | Jul 21, 2026 |
| Book Page | 463/767 |
| Instrument | 202615658 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 2, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 409 ELKEN PL, ELSMERE, KY 41018-1925 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2021 |
| Title Company | FIRST INTEGRITY TITLE |
| Name | Verified Name |
|---|
| Document Number | 0005900055 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 253/150 |
| Instrument | 21080905900055 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
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 | $152,700 (-) Land $25,000 Building $127,700 | $152,700 (-) Land $25,000 Building $127,700 | |
| 2025 | $1,573.00 (-1.26%) Homeowner's exemption | $152,700 (-) Land $25,000 Building $127,700 | $152,700 (-) Land $25,000 Building $127,700 |
| 2023 | $1,593.00 Homeowner's exemption | $152,700 Land $25,000 Building $127,700 | $152,700 Land $25,000 Building $127,700 |
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 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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