Kenton County property record for 708 Garvey Ave, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 851 sqft · built 1927 |
| Lot Size | 0.106 acres (4,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Feb 2021) |
| Tax Bill | $1,974 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jan 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-10-01-081.00 |
| Primary APN | 016-10-01-081.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 851 sqft Finished Area |
| Gross Area | 991 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 4,600 sqft (0.106 acres) |
| Lot Dimensions | 115 ft deep x 40 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 708 GARVEY AVE |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2469 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH ERLANGER PT LOTS 627-628-629 E 115' OF S 5' 629 & E 115' 628 & E 115' OF N 10' 627 40'X 115' |
| Legal Subdivision | SOUTH ERLANGER |
| Legal Phase | 7 |
| Legal Lot Number | 629,62 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 65600 |
708 Garvey Ave is owned and occupied by an individual who bought it in February 2021.
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 708 GARVEY AVE, ELSMERE, KY 41018-2469 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 15, 2025 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jan 24, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Feb 8, 2021 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| Jun 12, 2019 | Grant Deed, Transfer · Conventional with PMI AMERICAN MTG SVC |
| Feb 27, 2017 | Warranty Deed, Transfer · Conventional with PMI USAA FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 8, 2021 · Amount on File |
| Deed Sale | Feb 8, 2021 · Amount on File |
| Prior Sale | Jun 12, 2019 · Amount on File |
| Deed Document Number | 20215900191 |
| Deed Book / Page | 70 / 716 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 708 GARVEY AVE, ELSMERE, KY 41018-2469 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 708 GARVEY AVE, ELSMERE, KY 41018-2469 |
| Document Number | 0005900005 |
|---|---|
| Date | Oct 15, 2025 |
| Book Page | KCM 695/740 |
| Instrument | 25101505900005 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 305 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 708 GARVEY AVE, ELSMERE, KY 41018-2469 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 708 GARVEY AVE, ELSMERE, KY 41018-2469 |
| Document Number | 0005900085 |
|---|---|
| Date | Jan 24, 2023 |
| Book Page | KCM 436/182 |
| Instrument | 23012405900085 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 338 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 8, 2021 |
| Property Address | 708 GARVEY AVE, ELSMERE, KY 41018-2469 |
| Document Number | 0005900191 |
| Book / Page | 70 / 716 |
| Instrument Date | Feb 5, 2021 |
| Instrument | 21020805900191 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 708 GARVEY AVE, ELSMERE, KY 41018-2469 |
| Name | Verified Name |
|---|---|
| Address | 708 GARVEY AVE, ELSMERE, KY 41018-2469 |
| Document Number | 0005900192 |
|---|---|
| Date | Feb 8, 2021 |
| Book Page | 165/279 |
| Instrument | 21020805900192 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 12, 2019 |
| Property Address | 708 GARVEY AVE, ELSMERE, KY 41018-2469 |
| Document Number | 0000000160 |
| Book / Page | 0C6680 / 000062 |
| Instrument Date | Jun 10, 2019 |
| Instrument | 160 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2019 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $105.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 708 GARVEY AVE ELSMERE KY 410182469, ELSMERE, KY 41018-2469 |
| Document Number | 161 |
|---|---|
| Date | Jun 12, 2019 |
| Book Page | 0C6680/000065 |
| Instrument | 161 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 11, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 27, 2017 |
| Property Address | 708 GARVEY AVE, ELSMERE, KY 41018-2469 |
| Document Number | 0000000184 |
| Book / Page | 0C6104 / 000003 |
| Instrument Date | Mar 22, 2016 |
| Instrument | 184 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Title Company | LAWYERS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $84.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 708 GARVEY AVE ELSMERE KY 410182469, ELSMERE, KY 41018-2469 |
| Document Number | 185 |
|---|---|
| Date | Feb 27, 2017 |
| Book Page | 0C6104/000007 |
| Instrument | 185 |
| Name | USAA FCU |
|---|---|
| Type | Credit Union |
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 26, 2047 |
The 2025 property tax bill for 708 Garvey Ave was $1,974.
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 | $130,000 (-) Land $15,000 Building $115,000 | $130,000 (-) Land $15,000 Building $115,000 | |
| 2025 | $1,974.00 | $130,000 Land $15,000 Building $115,000 | $130,000 Land $15,000 Building $115,000 |
| 2023 | $1,948.00 | $130,000 Land $15,000 Building $115,000 | $130,000 Land $15,000 Building $115,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 708 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 708 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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