Kenton County property record for 445 Fox St, Elsmere, KY 41018 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 894 sqft · built 1949 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Jun 2024) |
| Tax Bill | $3,189 (2025) |
| Deeds & Mortgages | Jun 2024 Sale & Line of Credit Dec 2023 Sale & Construction Loan + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-21-187.00 |
| Primary APN | 004-30-21-187.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 894 sqft Finished Area |
| Year Built | Built 1949 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0043021187.00 |
|---|---|
| Street Address | 445 FOX ST |
| City | ELSMERE |
| State | KY |
| Zip | 41018-2327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOTS 601-602 |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 601-602 602 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 65600 |
Source: Kenton County records · APN 004-30-21-187.00
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 445 FOX ST, ELSMERE, KY 41018-2327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 25, 2024 | Warranty Deed, Transfer · Line of Credit GUARDIAN SAVINGS BANK |
| Dec 20, 2023 | Special Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC |
| Nov 16, 2023 | Correction Deed |
| Jun 27, 2023 | Commissioner's Deed, Foreclosure |
| Jun 24, 2020 | Loan Modification, Mortgage · FHA Mortgage AMERIHOME MTG |
| Apr 05, 2017 | Warranty Deed, Transfer · FHA Mortgage MOTIVE LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 25, 2024 · Amount on Record |
| Deed Sale | Jun 25, 2024 · Amount on Record |
| Prior Sale | Dec 20, 2023 · Amount on Record |
| Deed Document Number | 0000291521 |
| Deed Book / Page | 291 / 521 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 25, 2024 |
| Property Address | 445 FOX ST, ELSMERE, KY 41018-2327 |
| Document Number | 0005900196 |
| Book / Page | KC 291 / 521 |
| Map Reference | PL 295 |
| Instrument Date | Jun 24, 2024 |
| Instrument | 24062505900196 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | PROMINENT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 445 FOX ST, ELSMERE, KY 41018-2327 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10825 UNDONRCSERVE NORTH ROAD, UNION, KY 41091 |
| Document Number | 0005900197 |
|---|---|
| Date | Jun 25, 2024 |
| Instrument | 24062505900197 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 20, 2023 |
| Property Address | 445 FOX ST, ELSMERE, KY 41018-2327 |
| Document Number | 0005900002 |
| Book / Page | KC 262 / 184 |
| Map Reference | PL 295 |
| Instrument Date | Dec 14, 2023 |
| Instrument | 23122005900002 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 12, 2024 |
| Title Company | SERVICELINK |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $111.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 425 PHILLIPS BLVD, EWING, NJ 08618-1430 |
| Name | Verified Name |
|---|---|
| Address | 1488 VISTAGLEN CIR, UNION, KY 41091-8276 |
| Document Number | 0005900003 |
|---|---|
| Date | Dec 20, 2023 |
| Instrument | 23122005900003 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 16, 2023 |
| Property Address | 445 FOX ST, ELSMERE, KY 41018-2327 |
| Document Number | 0005900211 |
| Book / Page | KC 257 / 469 |
| Map Reference | PL 295 |
| Instrument Date | Dec 19, 2022 |
| Instrument | 23111605900211 |
| Record Updated | Jan 05, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 230 MADISON AVE # AVE8TH, AVE8TH, COVINGTON, KY 41011-1539 |
| Name | Verified Name |
|---|---|
| Address | 425 PHILLIPS BLVD, EWING, NJ 08618-1430 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 27, 2023 |
| Property Address | 445 FOX ST, ELSMERE, KY 41018-2327 |
| Document Number | 0005900161 |
| Book / Page | KC 233 / 40 |
| Map Reference | PL 295 |
| Instrument Date | Dec 19, 2022 |
| Instrument | 23062705900161 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 23, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 230 MADISON AVE # AVE8TH, AVE8TH, COVINGTON, KY 41011-1539 |
| Name | Verified Name |
|---|---|
| Address | 425 PHILLIPS BLVD, EWING, NJ 08618-1430 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 445 FOX ST, ELSMERE, KY 41018-2327 |
| Document Number | 0000000115 |
| Instrument Date | Jun 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 07, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 445 FOX ST ELSMERE KY 410182327, ELSMERE, KY 41018-2327 |
| Document Number | 0000000115 |
|---|---|
| Date | Sep 02, 2020 |
| Book Page | 000M41/000192 |
| Instrument | 115 |
| Name | AMERIHOME MTG |
|---|---|
| Type | Mortgage Company |
| Address | EWING, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 05, 2017 |
| Property Address | 445 FOX ST, ELSMERE, KY 41018-2327 |
| Document Number | 0000000175 |
| Book / Page | 0C6131 / 000119 |
| Instrument Date | Mar 28, 2017 |
| Instrument | 175 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Title Company | BRB TRUST TITLE AGENCY, BRB TR TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $84.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 FOX ST ELSMERE KY 410182327, ELSMERE, KY 41018-2327 |
| Document Number | 176 |
|---|---|
| Date | Apr 05, 2017 |
| Book Page | 0C6131/000122 |
| Instrument | 176 |
| Name | MOTIVE LNDG |
|---|---|
| Address | FLINT, MI 48501-2026 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 04, 2047 |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,189.00 (+34.67%) | $210,000 (+32.91%) Land $20,000 Building $190,000 | $210,000 (+32.91%) Land $20,000 Building $190,000 |
| 2023 | $2,368.00 (+71.35%) | $158,000 (+88.1%) Land $20,000 Building $138,000 | $158,000 (+88.1%) Land $20,000 Building $138,000 |
| 2022 | $1,382.00 | $84,000 Land $10,000 Building $74,000 | $84,000 Land $10,000 Building $74,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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