613 Garvey Ave, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 613 Garvey Ave, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,750 sqft · built 1940
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Jan 2021)
Tax Bill	$3,133 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-01-045.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-01-045.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,750 sqft Finished Area
Gross Area	1,983 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	613 GARVEY AVE
City	ELSMERE
State	KY
Zip	41018-2416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH ERLANGER LOTS 517-518-519 NW 1/2 LOT 565
Legal Subdivision	SOUTH ERLANGER
Legal Phase	65
Legal Lot Number	519,5
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1005
Census Tract	65600

Owner

613 Garvey Ave is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	613 GARVEY AVE, ELSMERE, KY 41018-2416
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2021 · Amount on File
Deed Sale	Jan 7, 2021 · Amount on File
Deed Document Number	20215900204
Deed Book / Page	65 / 271
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 7, 2021
Property Address	613 GARVEY AVE, ELSMERE, KY 41018-2416
Document Number	0000000204
Book / Page	000065 / 000271
Instrument Date	Dec 31, 2020
Instrument	204
Transaction Type	Transfer
Record Updated	Mar 2, 2021
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	613 GARVEY AVE ELSMERE KY 410182416, ELSMERE, KY 41018-2416

Mortgage

Document Number	205
Date	Jan 7, 2021
Book Page	00M151/000594
Instrument	205

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 613 Garvey Ave was $3,133.

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		$206,300 (-) Land $30,000 Building $176,300	$206,300 (-) Land $30,000 Building $176,300
2025	$3,133.00	$206,300 Land $30,000 Building $176,300	$206,300 Land $30,000 Building $176,300
2023	$3,092.00	$206,300 Land $30,000 Building $176,300	$206,300 Land $30,000 Building $176,300

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

Flood

FEMA maps place 613 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

Wildfire risk around 613 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.

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 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