430 Caldwell Dr, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 430 Caldwell Dr, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 875 sqft · built 1967
Lot Size	0.227 acres (9,886 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Apr 2025)
Tax Bill	$1,995 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-30-08-103.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-08-103.00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	875 sqft Finished Area

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,886 sqft (0.227 acres)
Lot Dimensions	197 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	430 CALDWELL DR
City	ELSMERE
State	KY
Zip	41018-1961
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ERPENBECKS 7TH ADDN LOT 119 50'X 197.72' IRREG
Legal Subdivision	ERPENBECK (ELSMERE)
Legal Phase	7
Legal Lot Number	119
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1013
Census Tract	65700

Owner

430 Caldwell Dr is owned by two individuals who bought it in April 2025.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8308 DECOURSEY PIKE, COVINGTON, KY 41015-9509
Owner Type	Individual
Vesting	Unmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2025 · Amount on File
Deed Sale	Apr 28, 2025 · Amount on File
Prior Sale	Jul 29, 1997 · Amount on File
Deed Document Number	2025158
Deed Book / Page	340 / 266
Record Updated	Oct 29, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 28, 2025
Property Address	430 CALDWELL DR, ELSMERE, KY 41018-1961
Document Number	0005900158
Book / Page	KC 340 / 266
Instrument Date	Apr 25, 2025
Instrument	25042805900158
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	PERPETUAL TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	430 CALDWELL DR, ELSMERE, KY 41018-1961

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8308 DECOURSEY PIKE, COVINGTON, KY 41015-9509

Mortgage

Document Number	0005900159
Date	Apr 28, 2025
Instrument	25042805900159

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 430 Caldwell Dr was $1,995.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Elsmere City
Unified School District	Erlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$170,000 (+29.38%) Land $25,000 Building $145,000	$170,000 (+29.38%) Land $25,000 Building $145,000
2025	$1,995.00	$131,400 Land $25,000 Building $106,400	$131,400 Land $25,000 Building $106,400
2023	$1,969.00	$131,400 Land $25,000 Building $106,400	$131,400 Land $25,000 Building $106,400

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

Flood

FEMA maps place 430 Caldwell Dr 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

Wildfire risk around 430 Caldwell Dr 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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