481 Rifle Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 481 Rifle Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,040 sqft · built 1994
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$97,000 (Apr 2010)
Tax Bill	$2,752 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2020 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`016-20-00-001.46`

Property Details

APN / Parcel Number

Primary APN	`016-20-00-001.46`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Building Area	1,040 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	481 RIFLE LN
City	ELSMERE
State	KY
Zip	41018-2686
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK SEC 4 LOT 95
Legal Subdivision	RIPPLE CREEK
Legal Phase	4
Legal Lot Number	95
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2017
Census Tract	65600

Owner

Source: Kenton County records, as of October 20, 2026

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	481 RIFLE LN, ELSMERE, KY 41018-2686
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2022	Deed of Trust, Mortgage · Line of Credit CINFED CU
May 8, 2020	Deed of Trust, Construction Loan · Construction Mortgage CINFED CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2010 · Amount on Record
Deed Sale	Apr 29, 2010 · Amount on Record
Prior Sale	Nov 20, 2006 · Amount on Record
Deed Document Number	201004 29 059 00191
Deed Book / Page	4275 / 219
Prior Transfer Date	Oct 22, 2004
Prior Transfer Doc	0C23810208
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	481 RIFLE LN, ELSMERE, KY 41018-2686
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900022
Date	Jun 20, 2022
Book Page	381/143
Instrument	22062005900022

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	May 8, 2020
Property Address	481 RIFLE LN, ELSMERE, KY 41018-2686
Document Number	0000000211
Book / Page	000042 / 000529
Instrument Date	May 20, 2019
Instrument	211
Transaction Type	Construction Loan
Record Updated	Jul 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 RIFLE LN ELSMERE KY 410182686, ELSMERE, KY 41018-2686

Mortgage

Document Number	0000000211
Date	May 8, 2020
Book Page	000042/000529
Instrument	211

Lender

Name	CINFED CU
Address	CINCINNATI, OH 45202

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 7, 2021

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
2026		$181,200 (-) Land $25,000 Building $156,200	$181,200 (-) Land $25,000 Building $156,200
2025	$2,752.00 (+1.33%)	$181,200 (-) Land $25,000 Building $156,200	$181,200 (-) Land $25,000 Building $156,200
2023	$2,716.00	$181,200 Land $25,000 Building $156,200	$181,200 Land $25,000 Building $156,200

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 427 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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