Kenton County property record for 449 Palace Ave, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,450 sqft · built 1929 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $142,000 (Jul 2020) |
| Tax Bill | $2,156 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-21-097.00 |
| Primary APN | 004-30-21-097.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,450 sqft Finished Area |
| Year Built | Built 1929 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0043021097.00 |
|---|---|
| Street Address | 449 PALACE AVE |
| City | ELSMERE |
| State | KY |
| Zip | 41018-2134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOT 375 & PT LOT 374 |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 375,374 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 65600 |
Source: Kenton County records, as of November 27, 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 Record |
|---|---|
| Mailing Address | 449 PALACE AVE, ELSMERE, KY 41018-2134 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2020 | Deed of Trust, Mortgage TCF NAT'L BK |
| Jul 31, 2020 | Grant Deed, Transfer · Conventional with PMI TCF NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2020 · Amount on Record |
| Deed Sale | Jul 31, 2020 · Amount on Record |
| Prior Sale | Aug 15, 2005 · Amount on Record |
| Deed Document Number | 0000034850 |
| Deed Book / Page | 34 / 850 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 449 PALACE AVE, ELSMERE, KY 41018-2134 |
| Document Number | 0000000130 |
| Instrument Date | Jul 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2020 |
| Title Company | SOJOURNERS TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 449 PALACE AVE ELSMERE KY 410182134, ELSMERE, KY 41018-2134 |
| Document Number | 0000000130 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 000077/000111 |
| Instrument | 130 |
| Name | TCF NAT'L BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 30, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 31, 2020 |
| Property Address | 449 PALACE AVE, ELSMERE, KY 41018-2134 |
| Document Number | 0000000129 |
| Book / Page | 000034 / 000850 |
| Instrument Date | Jul 17, 2020 |
| Instrument | 129 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2020 |
| Title Company | SOJOURNERS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $142.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 449 PALACE AVE ELSMERE KY 410182134, ELSMERE, KY 41018-2134 |
| Document Number | 130 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 000077/000111 |
| Instrument | 130 |
| Name | TCF NAT'L BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 30, 2050 |
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 | $2,156.00 (+1.32%) | $142,000 (-) Land $15,000 Building $127,000 | $142,000 (-) Land $15,000 Building $127,000 |
| 2023 | $2,128.00 | $142,000 Land $15,000 Building $127,000 | $142,000 Land $15,000 Building $127,000 |
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 |
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 558 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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