Kenton County property record for 635 Willow St, Elsmere, KY 41018 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,136 sqft · built 1945 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Aug 2025) |
| Tax Bill | $1,951 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Nov 2023 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-21-008.00 |
| Primary APN | 004-30-21-008.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,136 sqft Finished Area |
| Year Built | Built 1945 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.119 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0043021008.00 |
|---|---|
| Street Address | 635 WILLOW ST |
| City | ELSMERE |
| State | KY |
| Zip | 41018-2040 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODSIDE LOTS 282 & 283 |
| Legal Subdivision | WOODSIDE ADDN |
| Legal Lot Number | 282-283 283 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 65700 |
Source: Kenton County records · APN 004-30-21-008.00
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1065 OSBORNE RD, DRY RIDGE, KY 41035-7170 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2025 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Nov 01, 2023 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Feb 18, 2021 | Deed of Trust, Mortgage · Line of Credit LEXINGTON FAYETTE URBAN COUNTY GOV |
| Feb 18, 2021 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE SERVICE CO |
| Nov 23, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Oct 06, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FIN'L BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 11, 2025 · Amount on Record |
| Deed Sale | Aug 11, 2025 · Amount on Record |
| Prior Sale | Feb 07, 2025 |
| Deed Document Number | 25081105900114 |
| Deed Book / Page | KC 357 / 155 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 11, 2025 |
| Property Address | 635 WILLOW ST, ELSMERE, KY 41018-2040 |
| Document Number | 0005900114 |
| Book / Page | KC 357 / 155 |
| Instrument Date | Aug 07, 2025 |
| Instrument | 25081105900114 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6560 ROSETTA DR, BURLINGTON, KY 41005-9422 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1065 OSBORNE RD, DRY RIDGE, KY 41035-7170 |
| Document Number | 0005900115 |
|---|---|
| Date | Aug 11, 2025 |
| Instrument | 25081105900115 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 635 WILLOW ST, ELSMERE, KY 41018-2040 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Name | Verified Name |
|---|---|
| Address | 635 WILLOW ST, ELSMERE, KY 41018-2040 |
| Document Number | 0005900062 |
|---|---|
| Date | Nov 01, 2023 |
| Book Page | KCM 504/488 |
| Instrument | 23110105900062 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 18, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 635 WILLOW ST, ELSMERE, KY 41018-2040 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Name | Verified Name |
|---|---|
| Address | 635 WILLOW ST, ELSMERE, KY 41018-2040 |
| Document Number | 0005900018 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 168/962 |
| Instrument | 21021805900018 |
| Name | LEXINGTON FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Mar 01, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 18, 2021 |
| Property Address | 635 WILLOW ST, ELSMERE, KY 41018-2040 |
| Document Number | 0005900016 |
| Book / Page | 72 / 450 |
| Map Reference | PL 346 |
| Instrument Date | Feb 08, 2021 |
| Instrument | 21021805900016 |
| Transaction Type | Transfer |
| Record Updated | Jan 05, 2024 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $128.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2403 BLIZJERTER LN, SARASOTA, FL 34231 |
| Name | Verified Name |
|---|---|
| Address | 635 WILLOW ST, ELSMERE, KY 41018-2040 |
| Document Number | 0005900017 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 168/947 |
| Instrument | 21021805900017 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 635 WILLOW ST, ELSMERE, KY 41018-2040 |
| Document Number | 0000000021 |
| Instrument Date | Nov 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 635 WILLOW ST ELSMERE KY 410182040, ELSMERE, KY 41018-2040 |
| Document Number | 0000000021 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 00M139/000738 |
| Instrument | 21 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 13, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 635 WILLOW ST, ELSMERE, KY 41018-2040 |
| Document Number | 0000000245 |
| Book / Page | 0C6282 / 000207 |
| Instrument Date | Oct 06, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2017 |
| Name | Verified Name |
|---|---|
| Address | 3905 LLOYD AVE #AYE ERLANGER KY 410181637, ERLANGER, KY 41018-1637 |
| Document Number | 0000000245 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 0C6282/000207 |
| Instrument | 245 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 29, 2027 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,951.00 (+1.3%) | $128,500 (-) Land $15,000 Building $113,500 | $128,500 (-) Land $15,000 Building $113,500 |
| 2023 | $1,926.00 | $128,500 Land $15,000 Building $113,500 | $128,500 Land $15,000 Building $113,500 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 558 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cincinnati Bell | Fiber | 3,000 / 3,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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