Kenton County property record for 447 Caldwell Dr, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 925 sqft · built 1960 |
| Lot Size | 0.244 acres (10,637 sqft) |
| Owner | Individual Name on File |
| Last Sale | $107,000 (Jul 2004) |
| Tax Bill | $1,543 (2025) |
| Deeds & Mortgages | Aug 2022 Transfer Nov 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-18-018.00 |
| Primary APN | 004-30-18-018.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 925 sqft Finished Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 10,637 sqft (0.244 acres) |
| Lot Dimensions | 193 ft deep x 55 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 447 CALDWELL DR |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-1915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ERPENBECKS 4TH ADDN LOT 78 55'X 193.4' IRREG |
| Legal Subdivision | ERPENBECK (ELSMERE) |
| Legal Phase | 4 |
| Legal Lot Number | 78 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 65700 |
447 Caldwell Dr is owned and occupied by an individual who acquired it in April 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 447 CALDWELL DR, ELSMERE, KY 41018-1915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 16, 2022 | Intrafamily Transfer, Transfer |
| Nov 16, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Oct 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Oct 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK |
| Sep 5, 2019 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Nov 8, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 2004 · Amount on File |
| Deed Sale | Jul 22, 2004 · Amount on File |
| Deed Document Number | 200407 22 059 00243 |
| Deed Book / Page | 2260 / 166 |
| Last Transfer Date | Apr 10, 2024 |
| Transfer Doc | 0000000122 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 16, 2022 |
| Property Address | 447 CALDWELL DR, ELSMERE, KY 41018-1915 |
| Document Number | 0005900067 |
| Book / Page | 183 / 918 |
| Map Reference | PL 690 |
| Instrument Date | Jul 7, 2022 |
| Instrument | 22081605900067 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 447 CALDWELL DR, 447, ELSMERE, KY 41018-1915 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 447 CALDWELL DR, ELSMERE, KY 41018-1915 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 447 CALDWELL DR, ELSMERE, KY 41018-1915 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 447 CALDWELL DR, ELSMERE, KY 41018-1915 |
| Document Number | 0005900234 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 301/872 |
| Instrument | 21111605900234 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 27, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 447 CALDWELL DR, ELSMERE, KY 41018-1915 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|
| Document Number | 0005900245 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 281/300 |
| Instrument | 21100505900245 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 447 CALDWELL DR, ELSMERE, KY 41018-1915 |
| Document Number | 00M1090513 |
| Instrument Date | Oct 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Name | Verified Name |
|---|---|
| Address | 447 CALDWELL DR ELSMERE KY 410181915, ELSMERE, KY 41018-1915 |
| Document Number | 00M1090513 |
|---|---|
| Date | Oct 9, 2020 |
| Book Page | 00M109/000513 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 8, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 447 CALDWELL DR, ELSMERE, KY 41018-1915 |
| Document Number | 0000000411 |
| Instrument Date | Sep 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 447 CALDWELL DR ELSMERE KY 410181915, ELSMERE, KY 41018-1915 |
| Document Number | 0000000411 |
|---|---|
| Date | Sep 19, 2019 |
| Book Page | 0C6759/000117 |
| Instrument | 411 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 18, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 447 CALDWELL DR, ELSMERE, KY 41018-1915 |
| Document Number | 0000000056 |
| Instrument Date | Nov 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 447 CALDWELL DR ELSMERE KY 410181915, ELSMERE, KY 41018-1915 |
| Document Number | 0000000056 |
|---|---|
| Date | Nov 15, 2018 |
| Book Page | 0C6545/000191 |
| Instrument | 56 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 14, 2048 |
The 2025 property tax bill for 447 Caldwell Dr was $1,543 with a homeowner's exemption.
Source: Kenton County assessment roll, as of December 2, 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 |
|---|---|---|---|
| 2026 | $150,700 (-) Land $25,000 Building $125,700 | $150,700 (-) Land $25,000 Building $125,700 | |
| 2025 | $1,543.00 Homeowner's exemption | $150,700 Land $25,000 Building $125,700 | $150,700 Land $25,000 Building $125,700 |
| 2023 | $1,563.00 Homeowner's exemption | $150,700 Land $25,000 Building $125,700 | $150,700 Land $25,000 Building $125,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 447 Caldwell Dr in Zone X, an area of minimal flood risk.
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 risk around 447 Caldwell Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
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 485 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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