Kenton County property record for 522 Orchard St, Elsmere, KY 41018
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,296 sqft · built 1954 |
| Lot Size | 0.17 acres (7,440 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $90,000 (Dec 2010) |
| Tax Bill | $2,430 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-40-11-038.00 |
| Primary APN | 003-40-11-038.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,296 sqft Finished Area |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,440 sqft (0.17 acres) |
| Lot Dimensions | 155 ft deep x 48 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 522 ORCHARD ST |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2031 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | WOODSIDE LOTS 119 & 120 48X155 IRREG |
| Legal Subdivision | WOODSIDE ADDN |
| Legal Lot Number | 119-120 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 65700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 522 ORCHARD ST, ELSMERE, KY 41018-2031 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2010 · Amount on Record |
| Deed Sale | Dec 1, 2010 · Amount on Record |
| Deed Document Number | 201012 01 059 00077 |
| Deed Book / Page | 4457 / 313 |
| Record Updated | Oct 29, 2026 |
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 | $160,000 (-) Land $30,000 Building $130,000 | $160,000 (-) Land $30,000 Building $130,000 | |
| 2025 | $2,430.00 (+1.33%) | $160,000 (-) Land $30,000 Building $130,000 | $160,000 (-) Land $30,000 Building $130,000 |
| 2023 | $2,398.00 | $160,000 Land $30,000 Building $130,000 | $160,000 Land $30,000 Building $130,000 |
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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