Kenton County property record for 629 Willow St, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 667 sqft · built 1926 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $80,000 (Aug 2020) |
| Tax Bill | $1,519 (2025) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-21-005.00 |
| Primary APN | 004-30-21-005.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 667 sqft Finished Area |
| Year Built | Built 1926 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0043021005.00 |
|---|---|
| Street Address | 629 WILLOW ST |
| City | ELSMERE |
| State | KY |
| Zip | 41018-2040 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODSIDE 1/2 LOT 275 ALL 276 & 277 |
| Legal Subdivision | WOODSIDE ADDN |
| Legal Phase | 5 |
| Legal Lot Number | 277,27 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 65700 |
Source: Kenton County records, as of November 27, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 629 WILLOW ST, ELSMERE, KY 41018-2040 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2020 · Amount on Record |
| Deed Sale | Aug 13, 2020 · Amount on Record |
| Prior Sale | May 2, 2003 · Amount on Record |
| Deed Document Number | 0000036901 |
| Deed Book / Page | 36 / 901 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 13, 2020 |
| Property Address | 629 WILLOW ST, ELSMERE, KY 41018-2040 |
| Document Number | 0000000005 |
| Book / Page | 000036 / 000901 |
| Instrument Date | Aug 1, 2020 |
| Instrument | 5 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2020 |
| Title Company | AMERICAN HOMELAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 629 WILLOW ST ELSMERE KY 410182040, ELSMERE, KY 41018-2040 |
| Document Number | 6 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | 000M81/000909 |
| Instrument | 6 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 12, 2050 |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $1,519.00 (+1.33%) | $100,000 (-) Land $25,000 Building $75,000 | $100,000 (-) Land $25,000 Building $75,000 |
| 2023 | $1,499.00 | $100,000 Land $25,000 Building $75,000 | $100,000 Land $25,000 Building $75,000 |
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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