Kenton County property record for 428 Elken Pl, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 925 sqft · built 1965 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Jul 2023) |
| Tax Bill | $3,038 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jul 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-17-021.00 |
| Primary APN | 004-30-17-021.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 925 sqft Finished Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 428 ELKEN PL |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECKS 4TH ADDN LOT 170 |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 4 |
| Legal Lot Number | 170 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 65700 |
428 Elken Pl is owned and occupied by two individuals who bought it in July 2023.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 ELKEN PL, ELSMERE, KY 41018-1926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 27, 2024 | Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Jul 20, 2023 | Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2023 · Amount on File |
| Deed Sale | Jul 20, 2023 · Amount on File |
| Deed Document Number | 20236 |
| Deed Book / Page | 236 / 557 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 428 ELKEN PL, ELSMERE, KY 41018-1926 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 428 ELKEN PL, ELSMERE, KY 41018-1926 |
| Document Number | 0005900015 |
|---|---|
| Date | Mar 27, 2024 |
| Book Page | KCM 535/797 |
| Instrument | 24032705900015 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 20, 2023 |
| Property Address | 428 ELKEN PL, ELSMERE, KY 41018-1926 |
| Document Number | 0005900006 |
| Book / Page | KC 236 / 557 |
| Map Reference | PL 690 |
| Instrument Date | Jul 14, 2023 |
| Instrument | 23072005900006 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2023 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1040 BABETON ROAD, TAYLOR MILL, KY 41015 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 428 ELKEN PL, ELSMERE, KY 41018-1926 |
| Document Number | 0005900007 |
|---|---|
| Date | Jul 20, 2023 |
| Book Page | KCM 477/142 |
| Instrument | 23072005900007 |
| Name | NATIONS RELIABLE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77057 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
The 2025 property tax bill for 428 Elken Pl was $3,038.
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 $25,000 Building $175,000 | $200,000 (-) Land $25,000 Building $175,000 | |
| 2025 | $3,038.00 | $200,000 Land $25,000 Building $175,000 | $200,000 Land $25,000 Building $175,000 |
| 2023 | $2,097.00 (+36.26%) | $139,900 (+49.63%) Land $25,000 Building $114,900 | $139,900 (+49.63%) Land $25,000 Building $114,900 |
| 2022 | $1,539.00 | $93,500 Land $20,000 Building $73,500 | $93,500 Land $20,000 Building $73,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 428 Elken Pl in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 428 Elken Pl is low, with less than a 0.01% annual chance of wildfire.
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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