Kenton County property record for 438 Fox St, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,119 sqft · built 2005 |
| Lot Size | 0.16 acres (6,983 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (Sep 2020) |
| Tax Bill | $3,027 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-21-162.00 |
| Primary APN | 004-30-21-162.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,119 sqft Finished Area |
| Year Built | Built 2005 |
|---|---|
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,983 sqft (0.16 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0043021162.00 |
|---|---|
| Street Address | 438 FOX ST |
| City | ELSMERE |
| State | KY |
| Zip | 41018-2367 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOT 586 & PT LOTS 585 & 587 0.1603 AC NWS FOX ST |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Phase | 7 |
| Legal Lot Number | 586,585 584 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 65600 |
Source: Kenton County records · APN 004-30-21-162.00
Assessment roll updated April 1, 2025 · Last verified December 2025
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 File |
|---|---|
| Mailing Address | 438 FOX ST, ELSMERE, KY 41018-2367 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2020 | Deed of Trust, Mortgage US BK |
| Sep 01, 2020 | Warranty Deed, Transfer · Conventional with PMI US BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 01, 2020 · Amount on Record |
| Deed Sale | Sep 01, 2020 · Amount on Record |
| Prior Sale | Feb 13, 2015 · Amount on Record |
| Deed Document Number | 0000041109 |
| Deed Book / Page | 41 / 109 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 438 FOX ST, ELSMERE, KY 41018-2367 |
| Document Number | 0000000187 |
| Instrument Date | Aug 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 438 FOX ST ELSMERE KY 410182367, ELSMERE, KY 41018-2367 |
| Document Number | 0000000187 |
|---|---|
| Date | Sep 01, 2020 |
| Book Page | 000M91/000696 |
| Instrument | 187 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 31, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 01, 2020 |
| Property Address | 438 FOX ST, ELSMERE, KY 41018-2367 |
| Document Number | 0000000186 |
| Book / Page | 000041 / 000109 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 186 |
| Transaction Type | Transfer |
| Record Updated | Oct 08, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 438 FOX ST ELSMERE KY 410182367, ELSMERE, KY 41018-2367 |
| Document Number | 187 |
|---|---|
| Date | Sep 01, 2020 |
| Book Page | 000M91/000696 |
| Instrument | 187 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 31, 2050 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,027.00 (+1.34%) | $199,300 (-) Land $20,000 Building $179,300 | $199,300 (-) Land $20,000 Building $179,300 |
| 2023 | $2,987.00 | $199,300 Land $20,000 Building $179,300 | $199,300 Land $20,000 Building $179,300 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 527 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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