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638 Bedinger St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 638 Bedinger St, Elsmere, KY 41018 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,164 sqft · built 1930
Lot Size0.089 acres (3,920 sqft)
OwnerIndividual Name on File
Last Sale$183,000 (Jul 2022)
Tax Bill$2,779 (2025)
Deeds & MortgagesJul 2022 Sale & Mortgage
Aug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN004-30-21-035.00

Property Details

APN / Parcel Number

Primary APN004-30-21-035.00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,164 sqft Finished Area

Exterior

Year BuiltBuilt 1930
Exterior MaterialAluminum/Vinyl
Foundation TypeBlock
Roof MaterialComposition Shingle
Lot Area3,920 sqft (0.089 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas
SewerConnected

Location & Zoning

Old Parcel Number0043021035.00
Street Address638 BEDINGER ST
CityELSMERE
StateKY
Zip41018-2065
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNUTTER & WESTERMAN LOT 6
Legal SubdivisionNUTTER & WESTERMAN
Legal Lot Number6
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1030
Census Tract65700

Owner

Source: Kenton County records · APN 004-30-21-035.00

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address638 BEDINGER ST, ELSMERE, KY 41018-2065
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 12, 2022Warranty Deed, Transfer · FHA Mortgage
CROSSCOUNTRY MORTGAGE LLC
Aug 07, 2019Warranty Deed, Transfer · FHA Mortgage
CARDINAL FIN'L

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 12, 2022 · Amount on Record
Deed SaleJul 12, 2022 · Amount on Record
Prior SaleAug 07, 2019 · Amount on Record
Deed Document Number0000176571
Deed Book / Page176 / 571
Record UpdatedJun 08, 2026

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJul 12, 2022
Property Address638 BEDINGER ST, ELSMERE, KY 41018-2065
Document Number0005900125
Book / Page176 / 571
Map ReferencePL 175
Instrument DateJun 30, 2022
Instrument22071205900125
Transaction TypeTransfer
Record UpdatedAug 10, 2022
Title CompanyAMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3319 HULBERT AVE, 3319, EDGEWOOD, KY 41018-1481

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address638 BEDINGER ST, ELSMERE, KY 41018-2065

Mortgage

Document Number0005900126
DateJul 12, 2022
Instrument22071205900126
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2052

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateAug 07, 2019
Property Address638 BEDINGER ST, ELSMERE, KY 41018-2065
Document Number0000000096
Book / Page0C6724 / 000069
Instrument DateJul 30, 2019
Instrument96
Transaction TypeTransfer
Record UpdatedAug 22, 2019
Title CompanyAMERICAN HOMELAND TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$124.90
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address638 BEDINGER ST ELSMERE KY 410182065, ELSMERE, KY 41018-2065

Mortgage

Document Number111
DateAug 07, 2019
Book Page0C6724/000072
Instrument111
Lender
NameCARDINAL FIN'L
TypeFunding / Finance Company
AddressCHARLOTTE, NC 28273
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 06, 2049

Mortgage

Document Number112,
DateAug 07, 2019
Book Page0C6724/000090
Instrument112
Lender
NameKENTUCKY HSNG
AddressFRANKFORT, KY 40601
Agreement
AmountAmount Recorded
Term120 Months
DueAug 06, 2029
Interest
Rate12%

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

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$2,779.00 (+1.31%)$183,000 (-) Land $10,000 Building $173,000$183,000 (-) Land $10,000 Building $173,000
2023$2,743.00$183,000 Land $10,000 Building $173,000$183,000 Land $10,000 Building $173,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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