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

Kenton County property record for 449 Fox St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 720 sqft · built 1954
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$85,500 (Jun 2016)
Tax Bill	$1,845 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`004-30-21-189.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-21-189.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	720 sqft Finished Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	449 FOX ST
City	ELSMERE
State	KY
Zip	41018-2327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH ERLANGER LOT 598 & WOODSIDE LOT 666
Legal Subdivision	SOUTH ERLANGER
Legal Lot Number	598-666
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2003
Census Tract	65600

Owner

Source: Kenton County assessment roll, as of December 2, 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	449 FOX ST, ELSMERE, KY 41018-2327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUIST BANK
Jan 24, 2024	Deed of Trust, Mortgage · FHA Mortgage TRUIST BANK
Nov 30, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BRANCH BANKING AND TRUST CO
Oct 24, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 6, 2016 · Amount on Record
Deed Sale	Jun 6, 2016 · Amount on Record
Prior Sale	Jul 30, 2008 · Amount on Record
Deed Document Number	201606 06 059 00088
Deed Book / Page	5907 / 266
Prior Transfer Date	Jul 27, 2005
Prior Transfer Doc	0005900004
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	449 FOX ST, ELSMERE, KY 41018-2327
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 FOX ST, ELSMERE, KY 41018-2327

Mortgage

Document Number	0005900093
Date	Sep 22, 2025
Book Page	KCM 689/73
Instrument	25092205900093

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Sep 1, 2065

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	449 FOX ST, ELSMERE, KY 41018-2327
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 FOX ST, ELSMERE, KY 41018-2327

Mortgage

Document Number	0005900020
Date	Jan 24, 2024
Book Page	KCM 522/48
Instrument	24012405900020

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	269 Months
Due	Jun 1, 2046

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	449 FOX ST, ELSMERE, KY 41018-2327
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 FOX ST, ELSMERE, KY 41018-2327

Mortgage

Document Number	0005900254
Date	Nov 30, 2021
Book Page	308/342
Instrument	21113005900254

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	GREENVILLE, SC 29607

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	296 Months
Due	Jul 1, 2046

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	449 FOX ST, ELSMERE, KY 41018-2327
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 FOX ST, ELSMERE, KY 41018-2327

Mortgage

Document Number	0005900073
Date	Oct 24, 2022
Book Page	KCM 416/329
Instrument	22102405900073

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	284 Months
Due	Jun 1, 2046

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
2025	$1,845.00 (+1.32%)	$121,500 (-) Land $20,000 Building $101,500	$121,500 (-) Land $20,000 Building $101,500
2023	$1,821.00	$121,500 Land $20,000 Building $101,500	$121,500 Land $20,000 Building $101,500

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

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)
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.

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