Kenton County property record for 604 Garvey Ave, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 780 sqft · built 1940 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,500 (Nov 2020) |
| Tax Bill | $1,069 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Nov 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-10-01-001.00 |
| Primary APN | 016-10-01-001.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 780 sqft Finished Area |
| Gross Area | 1,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 604 GARVEY AVE |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER LOTS 513-514 |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Lot Number | 513-514 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 65600 |
604 Garvey Ave is owned and occupied by an individual who bought it in November 2020.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 604 GARVEY AVE, ELSMERE, KY 41018-2417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC |
| Nov 20, 2020 | Quit Claim Deed, Transfer · VA Mortgage MR COOPER |
| Apr 18, 2018 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Jan 6, 2017 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2020 · Amount on File |
| Deed Sale | Nov 20, 2020 · Amount on File |
| Prior Sale | Apr 18, 2018 · Amount on File |
| Deed Document Number | 20205900008 |
| Deed Book / Page | 56 / 678 |
| Prior Transfer Date | Nov 17, 2020 |
| Prior Transfer Doc | 0000000008 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 604 GARVEY AVE, ELSMERE, KY 41018-2417 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900327 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 317/974 |
| Instrument | 21122705900327 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 20, 2020 |
| Property Address | 604 GARVEY AVE, ELSMERE, KY 41018-2417 |
| Document Number | 0000000008 |
| Book / Page | 000056 / 000678 |
| Instrument Date | Nov 7, 2020 |
| Instrument | 8 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $101.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 604 GARVEY AVE ELSMERE KY 410182417, ELSMERE, KY 41018-2417 |
| Document Number | 9 |
|---|---|
| Date | Nov 20, 2020 |
| Book Page | 00M129/000549 |
| Instrument | 9 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 19, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 18, 2018 |
| Property Address | 604 GARVEY AVE, ELSMERE, KY 41018-2417 |
| Document Number | 0000000010 |
| Book / Page | 0C6392 / 000011 |
| Instrument Date | Apr 16, 2018 |
| Instrument | 10 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2019 |
| Title Company | NORTHWEST TITLE AGENCY INC, NORTHWEST TITLE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 604 GARVEY AVE ELSMERE KY 410182417, ELSMERE, KY 41018-2417 |
| Document Number | 11 |
|---|---|
| Date | Apr 18, 2018 |
| Book Page | 0C6392/000014 |
| Instrument | 11 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 17, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 604 GARVEY AVE, ELSMERE, KY 41018-2417 |
| Document Number | 0000000100 |
| Book / Page | 0C6081 / 000199 |
| Instrument Date | Jan 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 604 GARVEY AVE ELSMERE KY 410182417, ELSMERE, KY 41018-2417 |
| Document Number | 0000000100 |
|---|---|
| Date | Jan 24, 2017 |
| Book Page | 0C6081/000199 |
| Instrument | 100 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 23, 2032 |
The 2025 property tax bill for 604 Garvey Ave was $1,069 with a homeowner's exemption.
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 | $119,500 (-) Land $20,000 Building $99,500 | $119,500 (-) Land $20,000 Building $99,500 | |
| 2025 | $1,069.00 Homeowner's exemption | $119,500 Land $20,000 Building $99,500 | $119,500 Land $20,000 Building $99,500 |
| 2023 | $1,791.00 | $119,500 Land $20,000 Building $99,500 | $119,500 Land $20,000 Building $99,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 604 Garvey Ave in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 604 Garvey Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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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