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41 Spring St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 41 Spring St, Elsmere, KY 41018 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2004
Square Footage1,143 sqft Finished Area
Lot Size0.201 acres
OccupancyOwner Occupied
Last Sale$125,000 (2020)
Tax Bill$2,217.00 (2025)

Property Details

APN / Parcel Number

Primary APN016-10-01-054.01

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,143 sqft Finished Area
Stories1 Stories

Exterior

Year BuiltBuilt 2004
Exterior MaterialAluminum/Vinyl Exterior
Foundation TypeMat/Raft Foundation (Slab) Foundation
Lot Area8,793 sqft
Depth X Width125 ft x 70 ft Depth x Width

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemHeat Pump Heating
Heating FuelElectric Heating Fuel
SewageSewage Connected
Water SourceYes (Unknown Type) Water Source

Location & Zoning

Old Parcel Number0161001054.01
Street Address41 SPRING ST
CityELSMERE
StateKY
Zip41018-2489
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSOUTH ERLANGER LOT 540 & PT LOT 539 70.34'X 125' IRREG SS SPRING ST
Legal SubdivisionSOUTH ERLANGER
Legal Lot Number540,539
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup1
Census Block1005
Census Tract65600

Owner

Source: Kenton County records · APN 016-10-01-054.01

Assessment roll updated April 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address41 SPRING ST, ELSMERE, KY 41018-2489
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 29, 2020Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
CARDINAL FIN'L
Oct 21, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
CARDINAL FIN'L
Oct 21, 2020Deed of Trust, Mortgage · Conventional Mortgage
KENTUCKY HSNG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 29, 2020 · Amount on Record
Deed SaleOct 29, 2020 · Amount on Record
Prior SaleSep 11, 2014 · Amount on Record
Deed Doc Number0000005293
Deed Book / Page52 / 93
Record RefreshedJun 08, 2026

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateOct 29, 2020
Property Address41 SPRING ST, ELSMERE, KY 41018-2489
Document Number0000000033
Book / Page000052 / 000093
Instrument DateOct 21, 2020
Instrument33
Transaction TypeTransfer
Record UpdatedDec 01, 2020
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$125.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address41 SPRING ST ELSMERE KY 410182489, ELSMERE, KY 41018-2489

Mortgage

Document Number34
DateOct 29, 2020
Book Page00M117/000512
Instrument34
Lender
NameCARDINAL FIN'L
TypeFunding / Finance Company
AddressCHARLOTTE, NC 28273
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueOct 28, 2050

Mortgage

Document Number35,
DateOct 29, 2020
Book Page00M117/000531
Instrument35
Lender
NameKENTUCKY HSNG
AddressFRANKFORT, KY 40601
Agreement
AmountAmount Recorded
Term120 Months
DueOct 28, 2030

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address41 SPRING ST, ELSMERE, KY 41018-2489
Document Number0000000034
Instrument DateOct 21, 2020
Transaction TypeMortgage
Record UpdatedNov 09, 2020
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
Address41 SPRING ST ELSMERE KY 410182489, ELSMERE, KY 41018-2489

Mortgage

Document Number0000000034
DateOct 29, 2020
Book Page00M117/000512
Instrument34
Lender
NameCARDINAL FIN'L
TypeFunding / Finance Company
AddressCHARLOTTE, NC 28273
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueOct 28, 2050

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address41 SPRING ST, ELSMERE, KY 41018-2489
Document Number0000000035
Instrument DateOct 21, 2020
Transaction TypeMortgage
Record UpdatedNov 09, 2020
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
Address41 SPRING ST ELSMERE KY 410182489, ELSMERE, KY 41018-2489

Mortgage

Document Number0000000035
DateOct 29, 2020
Book Page00M117/000531
Instrument35
Lender
NameKENTUCKY HSNG
AddressFRANKFORT, KY 40601
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueOct 28, 2030

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityElsmere City
Unified School DistrictErlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,217.00 (+1.33%)$146,000 (-) Land $20,000 Building $126,000$146,000 (-) Land $20,000 Building $126,000
2023$2,188.00$146,000 Land $20,000 Building $126,000$146,000 Land $20,000 Building $126,000

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