431 Buckner St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 431 Buckner St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,001 sqft · built 1935
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Aug 2023)
Tax Bill	$2,202 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-01-097.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-01-097.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,001 sqft Finished Area
Gross Area	1,121 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	431 BUCKNER ST
City	ELSMERE
State	KY
Zip	41018-2303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH ERLANGER LOTS 728-729
Legal Subdivision	SOUTH ERLANGER
Legal Lot Number	728-729
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2004
Census Tract	65600

Owner

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	431 BUCKNER ST, ELSMERE, KY 41018-2303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 1, 2018	Warranty Deed, Transfer · Conventional with PMI FIFTH THIRD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2023 · Amount on Record
Deed Sale	Aug 22, 2023 · Amount on Record
Prior Sale	Oct 1, 2018 · Amount on Record
Deed Document Number	2023224
Deed Book / Page	242 / 865
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 22, 2023
Property Address	431 BUCKNER ST, ELSMERE, KY 41018-2303
Document Number	0005900224
Book / Page	KC 242 / 865
Instrument Date	Aug 21, 2023
Instrument	23082205900224
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Amount	Amount Recorded
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	1778 APPLE CIDER DR, HEBRON, KY 41048-8215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 BUCKNER ST, ELSMERE, KY 41018-2303

Mortgage

Document Number	0005900225
Date	Aug 22, 2023
Book Page	KCM 486/183
Instrument	23082205900225

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 1, 2018
Property Address	431 BUCKNER ST, ELSMERE, KY 41018-2303
Document Number	0000000204
Book / Page	0C6513 / 000094
Instrument Date	Sep 28, 2018
Instrument	204
Transaction Type	Transfer
Record Updated	Oct 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$104.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	431 BUCKNER ST ELSMERE KY 410182303, ELSMERE, KY 41018-2303

Mortgage

Document Number	206
Date	Oct 1, 2018
Book Page	0C6513/000097
Instrument	206

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2048

Tax Assessment & Valuation

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		$145,000 (-) Land $20,000 Building $125,000	$145,000 (-) Land $20,000 Building $125,000
2025	$2,202.00 (+11.83%)	$145,000 (+10.35%) Land $20,000 Building $125,000	$145,000 (+10.35%) Land $20,000 Building $125,000
2023	$1,969.00 (+14.41%)	$131,400 (+25.62%) Land $20,000 Building $111,400	$131,400 (+25.62%) Land $20,000 Building $111,400
2022	$1,721.00	$104,600 Land $15,000 Building $89,600	$104,600 Land $15,000 Building $89,600

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.3% 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 527 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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