Kenton County property record for 445 Palace Ave, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 672 sqft · built 1937 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $81,500 (May 2016) |
| Tax Bill | $1,585 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-21-099.00 |
| Primary APN | 004-30-21-099.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 672 sqft Finished Area |
| Year Built | Built 1937 |
|---|---|
| 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 | 0043021099.00 |
|---|---|
| Street Address | 445 PALACE AVE |
| City | ELSMERE |
| State | KY |
| Zip | 41018-2134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOTS 378-379 |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 378-379 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 65600 |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|
| Mailing Address | 445 PALACE AVE, ELSMERE, KY 41018-2134 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Jul 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 3, 2016 · Amount on Record |
| Deed Sale | May 3, 2016 · Amount on Record |
| Prior Sale | Aug 9, 2004 · Amount on Record |
| Deed Document Number | 0000588570 |
| Deed Book / Page | 5885 / 70 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 445 PALACE AVE, ELSMERE, KY 41018-2134 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 445 PALACE AVE, ELSMERE, KY 41018-2134 |
| Document Number | 0005900086 |
|---|---|
| Date | Jul 23, 2021 |
| Book Page | 246/578 |
| Instrument | 21072305900086 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 445 PALACE AVE, ELSMERE, KY 41018-2134 |
| Document Number | 0000000054 |
| Instrument Date | Jul 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 445 PALACE AVE ELSMERE KY 410182134, ELSMERE, KY 41018-2134 |
| Document Number | 0000000054 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 0C6731/000175 |
| Instrument | 54 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2049 |
Source: Kenton County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,585.00 (+1.34%) | $104,400 (-) Land $20,000 Building $84,400 | $104,400 (-) Land $20,000 Building $84,400 |
| 2023 | $1,564.00 | $104,400 Land $20,000 Building $84,400 | $104,400 Land $20,000 Building $84,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 558 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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