Kenton County property record for 412 Garvey Ave, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 896 sqft · built 1930 |
| Lot Size | 0.072 acres (3,125 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Feb 2026) |
| Tax Bill | $1,800 (2025) |
| Deeds & Mortgages | Apr 2024 Construction Loan Feb 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-21-073.00 |
| Primary APN | 004-30-21-073.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 896 sqft Finished Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,125 sqft (0.072 acres) |
| Lot Dimensions | 125 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 412 GARVEY AVE |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOT 339 25'X 125' SWS GARVEY 125' SE ASH ST |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 339 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 412 GARVEY AVE, ELSMERE, KY 41018-2133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Apr 1, 2024 | Deed of Trust, Mortgage · Construction Mortgage KIAVI FUNDING INC |
| Feb 12, 2026 | Deed, Transfer · FHA Mortgage NFM LENDING |
| Aug 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NFM LENDING |
| Feb 7, 2023 | Commissioner's Deed, Foreclosure |
| Dec 4, 2019 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Jun 19, 2019 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2026 · Amount on Record |
| Deed Sale | Feb 12, 2026 · Amount on Record |
| Prior Sale | Mar 4, 2024 · Amount on Record |
| Deed Document Number | 20262876 |
| Deed Book / Page | 389 / 833 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 412 GARVEY AVE, ELSMERE, KY 41018-2133 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6457 ELSINOR CT, BURLINGTON, KY 41005-7990 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900181 |
|---|---|
| Date | Apr 1, 2024 |
| Book Page | KCM 537/246 |
| Instrument | 24040105900181 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15212 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 12, 2026 |
| Property Address | 412 GARVEY AVE, ELSMERE, KY 41018-2133 |
| Document Number | 0000002876 |
| Book / Page | 389 / 833 |
| Instrument Date | Feb 5, 2026 |
| Instrument | 26059000002876 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6457 ELSINOR CT, BURLINGTON, KY 41005-7990 |
| Name | Verified Name |
|---|---|
| Address | 208 W 32ND ST, COVINGTON, KY 41015-1109 |
| Document Number | 0000002877 |
|---|---|
| Date | Feb 12, 2026 |
| Instrument | 26059000002877 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Number | 0000002896 |
|---|---|
| Date | Feb 12, 2026 |
| Book Page | 733/923 |
| Instrument | 26059000002896 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 3, 2026 |
| Property Address | 412 GARVEY AVE, ELSMERE, KY 41018-2133 |
| Document Number | 0000016941 |
| Book / Page | 470 / 616 |
| Instrument Date | Feb 5, 2026 |
| Instrument | 202616941 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 412 GARVEY AVE, ELSMERE, KY 41018-2133 |
| Document Number | 0000016941, |
|---|---|
| Date | Aug 3, 2026 |
| Book Page | 470/616 |
| Instrument | 202616941 |
| Name | NFM LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 115 Months |
| Due | Mar 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.16% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 7, 2023 |
| Property Address | 412 GARVEY AVE, ELSMERE, KY 41018-2133 |
| Document Number | 0005900112 |
| Book / Page | KC 212 / 411 |
| Instrument Date | Jan 27, 2023 |
| Instrument | 23020705900112 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 5, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 230 MADISON AVE FL 8, 8, COVINGTON, KY 41011-1541 |
| Name | Verified Name |
|---|---|
| Address | 13801 WIRELESS WAY, OKLAHOMA CITY, OK 73134-2500 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 4, 2019 |
| Property Address | 412 GARVEY AVE, ELSMERE, KY 41018-2133 |
| Document Number | 0000000065 |
| Book / Page | 0C6817 / 000113 |
| Instrument Date | Nov 21, 2019 |
| Instrument | 65 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $102.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 GARVEY AVE ELSMERE KY 410182133, ELSMERE, KY 41018-2133 |
| Document Number | 66 |
|---|---|
| Date | Dec 4, 2019 |
| Book Page | 0C6817/000116 |
| Instrument | 66 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 3, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 19, 2019 |
| Property Address | 412 GARVEY AVE, ELSMERE, KY 41018-2133 |
| Document Number | 0000000170 |
| Book / Page | 0C6685 / 000183 |
| Instrument Date | Jun 17, 2019 |
| Instrument | 170 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $17.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 700 GRANDEUR PLACE AVE #84 UNION KY 41091, 84, UNION, KY 41091 |
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 | $118,500 (-) Land $10,000 Building $108,500 | $118,500 (-) Land $10,000 Building $108,500 | |
| 2025 | $1,800.00 (+1.35%) | $118,500 (-) Land $10,000 Building $108,500 | $118,500 (-) Land $10,000 Building $108,500 |
| 2023 | $1,776.00 | $118,500 Land $10,000 Building $108,500 | $118,500 Land $10,000 Building $108,500 |
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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