Kenton County property record for 453 Palace Ave, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 532 sqft · built 1930 |
| Lot Size | 0.069 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $159,000 (Mar 2023) |
| Tax Bill | $2,339 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Oct 2022 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-21-095.00 |
| Primary APN | 004-30-21-095.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 532 sqft Finished Area |
| Year Built | Built 1930 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.069 acres) |
| Lot Dimensions | 125 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0043021095.00 |
|---|---|
| Street Address | 453 PALACE AVE |
| City | ELSMERE |
| State | KY |
| Zip | 41018-2134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOT 372 |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 372 |
| 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 | 453 PALACE AVE, ELSMERE, KY 41018-2134 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 29, 2023 | Warranty Deed, Transfer · FHA Mortgage THRIVE MORTGAGE LLC |
| Oct 3, 2022 | Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 29, 2023 · Amount on Record |
| Deed Sale | Mar 29, 2023 · Amount on Record |
| Prior Sale | Oct 3, 2022 · Amount on Record |
| Deed Document Number | 0000219856 |
| Deed Book / Page | 219 / 856 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 29, 2023 |
| Property Address | 453 PALACE AVE, ELSMERE, KY 41018-2134 |
| Document Number | 0005900019 |
| Book / Page | KC 219 / 856 |
| Map Reference | PL 294 |
| Instrument Date | Mar 24, 2023 |
| Instrument | 23032905900019 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2023 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10302 CHERRY LN, FLORENCE, KY 41042-3169 |
| Name | Verified Name |
|---|---|
| Address | 453 AND 455 PALACE AVENUE, ELSMERE, KY 41018-2134 |
| Document Number | 0005900020 |
|---|---|
| Date | Mar 29, 2023 |
| Instrument | 23032905900020 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Number | 0005900021 |
|---|---|
| Date | Mar 29, 2023 |
| Book Page | KCM 449/727 |
| Instrument | 23032905900021 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Apr 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 3, 2022 |
| Property Address | 453 PALACE AVE, ELSMERE, KY 41018-2134 |
| Document Number | 0005900111 |
| Book / Page | 192 / 767 |
| Map Reference | PL 294 |
| Instrument Date | Sep 13, 2022 |
| Instrument | 22100305900111 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 14, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 453 PALACE AVE, 453, ELSMERE, KY 41018-2134 |
| Name | Verified Name |
|---|---|
| Address | 10302 CHERRY LN, FLORENCE, KY 41042-3169 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900112 |
|---|---|
| Date | Oct 3, 2022 |
| Instrument | 22100305900112 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $2,339.00 (+95.08%) | $154,000 (+92.5%) Land $10,000 Building $144,000 | $154,000 (+92.5%) Land $10,000 Building $144,000 |
| 2023 | $1,199.00 | $80,000 Land $10,000 Building $70,000 | $80,000 Land $10,000 Building $70,000 |
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 |
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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