442 Fox St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 442 Fox St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 888 sqft · built 1930
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,202 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-30-21-163.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-21-163.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	888 sqft Finished Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	125 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	442 FOX ST
City	ELSMERE
State	KY
Zip	41018-2367
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH ERLANGER LOTS 590-591
Legal Subdivision	SOUTH ERLANGER
Legal Lot Number	590-591
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2002
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	2 Individual Names on Record
Mailing Address	442 FOX ST, ELSMERE, KY 41018-2367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Sep 7, 2023	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2023
Deed Sale	Sep 7, 2023
Prior Sale	Apr 27, 2016 · Amount on Record
Deed Document Number	202319
Deed Book / Page	245 / 83
Prior Transfer Date	Aug 24, 2023
Prior Transfer Doc	0000000019
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	May 15, 2026
Property Address	442 FOX ST, ELSMERE, KY 41018-2367
Document Number	0000010132
Book / Page	432 / 46
Instrument Date	May 7, 2026
Instrument	202610132
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	442 FOX ST, ELSMERE, KY 41018-2367

Mortgage

Document Number	0000010132,
Date	May 15, 2026
Book Page	432/46
Instrument	202610132

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	442 FOX ST, ELSMERE, KY 41018-2367
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900020
Date	Sep 7, 2023
Book Page	KCM 0490/22
Instrument	23090705900020

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 1, 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 (+25.18%)	$145,000 (+23.51%) Land $20,000 Building $125,000	$145,000 (+23.51%) Land $20,000 Building $125,000
2023	$1,759.00	$117,400 Land $20,000 Building $97,400	$117,400 Land $20,000 Building $97,400

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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