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565 Palace Ave, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 565 Palace Ave, Elsmere, KY 41018

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,188 sqft · built 2009
Lot Size0.18 acres (7,841 sqft)
Owner2 Individual Names on File
Last Sale$227,000 (Mar 2023)
Tax Bill$3,448 (2025)
Deeds & MortgagesMar 2023 Sale & Mortgage
Feb 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN004-30-21-091.00

Property Details

APN / Parcel Number

Primary APN004-30-21-091.00

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area1,188 sqft Finished Area

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Lot Area7,841 sqft (0.18 acres)
Lot Dimensions125 ft deep x 62 ft wide
Garage TypeBasement
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric
SewerConnected

Location & Zoning

Street Address565 PALACE AVE
CityELSMERE
StateKY
Zip41018-2134
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWOODSIDE LOTS 564-565 & PT 563
Legal SubdivisionWOODSIDE ADDN
Legal Phase3
Legal Lot Number565,56
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group2
Census Block2001
Census Tract65600

Owner

Source: Kenton County records · APN 004-30-21-091.00

Assessment roll updated December 2, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address565 PALACE AVE, ELSMERE, KY 41018-2134
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 09, 2023Warranty Deed, Transfer · FHA Mortgage
THRIVE MORTGAGE LLC
Feb 05, 2021Deed of Trust, Mortgage · VA Mortgage
LOW VA RATES LLC
Jan 21, 2020Warranty Deed, Subdivision Related Transfer · VA Mortgage
CARDINAL FIN'L

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 09, 2023 · Amount on Record
Deed SaleMar 09, 2023 · Amount on Record
Prior SaleJan 21, 2020 · Amount on Record
Deed Document Number202393
Deed Book / Page216 / 920
Prior Transfer DateMar 14, 2008
Prior Transfer Doc0005900244
Record UpdatedJun 08, 2026

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMar 09, 2023
Property Address565 PALACE AVE, ELSMERE, KY 41018-2134
Document Number0005900093
Book / PageKC 216 / 920
Map ReferencePL 345
Instrument DateMar 03, 2023
Instrument23030905900093
Transaction TypeTransfer
Record UpdatedMar 28, 2023
Title CompanySPRINGDALE TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$227.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1695 MOORES FLAT RD, MOREHEAD, KY 40351-7103

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address565 PALACE AVE, ELSMERE, KY 41018-2134

Mortgage

Document Number0005900094
DateMar 09, 2023
Instrument23030905900094
Lender
NameTHRIVE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2053

Mortgage

Document Number0005900095
DateMar 09, 2023
Book PageKCM 445/422
Instrument23030905900095
Lender
NameLEXINGTON-FAYETTE URBAN COUNTY GOV
TypeGovernment Agency
AddressFRANKFORT, KY 40601
Agreement
TypeLine of Credit
AmountAmount Recorded
Term121 Months
DueApr 01, 2033

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address565 PALACE AVE, ELSMERE, KY 41018-2134
Transaction TypeMortgage
Record UpdatedFeb 23, 2021
Title CompanyELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900114
DateFeb 05, 2021
Book Page164/181
Instrument21020505900114
Lender
NameLOW VA RATES LLC
TypeNon-Lending Institution
AddressLINDON, UT 84042
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2051

January 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJan 21, 2020
Property Address565 PALACE AVE, ELSMERE, KY 41018-2134
Document Number0000000061
Book / Page000003 / 000127
Instrument DateJan 10, 2020
Instrument61
Transaction TypeSubdivision Related Transfer
Record UpdatedMar 20, 2020
Title CompanyBRIDGETRUST TITLE GROUP, BRIDGETRUST TITLE GRP

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$165.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2058 COUNTRY PLACE CT HEBRON KY 410489305, HEBRON, KY 41048-9305

Mortgage

Document Number62
DateJan 21, 2020
Book Page0000M4/000839
Instrument62
Lender
NameCARDINAL FIN'L
TypeFunding / Finance Company
AddressCHARLOTTE, NC 28273
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 20, 2050

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityElsmere City
Unified School DistrictErlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,448.00 (+11.51%)$227,000 (+10.03%) Land $20,000 Building $207,000$227,000 (+10.03%) Land $20,000 Building $207,000
2023$3,092.00$206,300 Land $20,000 Building $186,300$206,300 Land $20,000 Building $186,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 98% of the US · lower than 98.2% of Kentucky
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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

Based on FCC filings for 558 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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