Kenton County property record for 423 Palace Ave, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 884 sqft · built 2010 |
| Lot Size | 0.143 acres (6,250 sqft) |
| Owner | Company Name on Record |
| Last Sale | $395,000 (Dec 2024) |
| Tax Bill | $3,038 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-21-103.01 |
| Primary APN | 004-30-21-103.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 884 sqft Finished Area |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 6,250 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 423 PALACE AVE |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOTS 385 & 386 50'X 125' SOUTH SIDE PALACE AVE |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 385-386 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2001 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 1530 AMSTERDAM RD, FT WRIGHT, KY 41011-1900 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2024 · Amount on Record |
| Deed Sale | Dec 11, 2024 · Amount on Record |
| Prior Sale | Dec 27, 2016 · Amount on Record |
| Deed Document Number | 202456 |
| Deed Book / Page | 319 / 474 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 423 PALACE AVE, ELSMERE, KY 41018-2134 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 12545 MADISON PIKE, INDEPENDENCE, KY 41051-7700 |
| Document Number | 0005900106 |
|---|---|
| Date | Nov 1, 2023 |
| Book Page | KCM 504/575 |
| Instrument | 23110105900106 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | INDEPENDENCE, KY 41051 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 3, 2038 |
| Rate Type | Adjustable Rate |
|---|
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 | $200,000 (-) Land $20,000 Building $180,000 | $200,000 (-) Land $20,000 Building $180,000 | |
| 2025 | $3,038.00 (+15.12%) | $200,000 (+13.57%) Land $20,000 Building $180,000 | $200,000 (+13.57%) Land $20,000 Building $180,000 |
| 2023 | $2,639.00 | $176,100 Land $20,000 Building $156,100 | $176,100 Land $20,000 Building $156,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 98% of the US · lower than 98.2% 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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