Kenton County property record for 416 Caldwell Dr, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,106 sqft · built 1965 |
| Lot Size | 0.222 acres (9,701 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $157,500 (Jul 2020) |
| Tax Bill | $2,896 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-08-110.00 |
| Primary APN | 004-30-08-110.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 1,106 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 9,701 sqft (0.222 acres) |
| Lot Dimensions | 176 ft deep x 55 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 416 CALDWELL DR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1961 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECKS 7TH ADDN LOT 133 55'X 176.39' IRREG |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 7 |
| Legal Lot Number | 133 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1013 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 416 CALDWELL DR, ELSMERE, KY 41018-1961 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 27, 2022 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 30, 2020 | Grant Deed, Transfer · VA Mortgage CARRINGTON MTG SVCS |
| Jul 24, 2020 | Deed of Trust, Mortgage · VA Mortgage CARRINGTON MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2020 · Amount on Record |
| Deed Sale | Jul 30, 2020 · Amount on Record |
| Prior Sale | Sep 3, 2008 · Amount on Record |
| Deed Document Number | 20205900271 |
| Deed Book / Page | 34 / 587 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 416 CALDWELL DR, ELSMERE, KY 41018-1961 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900042 |
|---|---|
| Date | Jan 27, 2022 |
| Book Page | 331/463 |
| Instrument | 22012705900042 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 30, 2020 |
| Property Address | 416 CALDWELL DR, ELSMERE, KY 41018-1961 |
| Document Number | 0000000271 |
| Book / Page | 000034 / 000587 |
| Instrument Date | Jul 24, 2020 |
| Instrument | 271 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2020 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $158.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 416 CALDWELL DR ELSMERE KY 410181961, ELSMERE, KY 41018-1961 |
| Document Number | 272 |
|---|---|
| Date | Jul 30, 2020 |
| Book Page | 000M76/000260 |
| Instrument | 272 |
| Name | CARRINGTON MTG SVCS |
|---|---|
| Address | ANAHEIM, CA 92806 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 416 CALDWELL DR, ELSMERE, KY 41018-1961 |
| Document Number | 0000000272 |
| Instrument Date | Jul 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2020 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 416 CALDWELL DR ELSMERE KY 410181961, ELSMERE, KY 41018-1961 |
| Document Number | 0000000272 |
|---|---|
| Date | Jul 30, 2020 |
| Book Page | 000M76/000260 |
| Instrument | 272 |
| Name | CARRINGTON MTG SVCS |
|---|---|
| Address | ANAHEIM, CA 92806 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 29, 2050 |
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 | $190,700 (-) Land $25,000 Building $165,700 | $190,700 (-) Land $25,000 Building $165,700 | |
| 2025 | $2,896.00 (+1.33%) | $190,700 (-) Land $25,000 Building $165,700 | $190,700 (-) Land $25,000 Building $165,700 |
| 2023 | $2,858.00 | $190,700 Land $25,000 Building $165,700 | $190,700 Land $25,000 Building $165,700 |
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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