712 Orchard St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 712 Orchard St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,125 sqft · built 1951
Lot Size	0.095 acres (4,125 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Mar 2024)
Tax Bill	$2,430 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-30-14-013.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-14-013.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,125 sqft Finished Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	4,125 sqft (0.095 acres)
Lot Dimensions	75 ft deep x 55 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	712 ORCHARD ST
City	ELSMERE
State	KY
Zip	41018-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSIDE PT LOTS 73-79-80 55X75'
Legal Subdivision	WOODSIDE ADDN
Legal Lot Number	73,79
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1020
Census Tract	65700

Owner

712 Orchard St is owned and occupied by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	712 ORCHARD ST, ELSMERE, KY 41018-2035
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	2 Names on Deed
Last Sale	Mar 26, 2024 · Amount on File
Deed Sale	Mar 26, 2024 · Amount on File
Prior Sale	Sep 9, 2016 · Amount on File
Deed Document Number	2024132
Deed Book / Page	276 / 371
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 26, 2024
Property Address	712 ORCHARD ST, ELSMERE, KY 41018-2035
Document Number	0005900132
Book / Page	KC 276 / 371
Map Reference	PL 346
Instrument Date	Mar 25, 2024
Instrument	24032605900132
Transaction Type	Transfer
Record Updated	Apr 10, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3708 RED RIVER DR, LEXINGTON, KY 40517-3350

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	712 ORCHARD ST, ELSMERE, KY 41018-2035

Mortgage

Document Number	0005900133
Date	Mar 26, 2024
Book Page	KCM 535/623
Instrument	24032605900133

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19103

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 712 Orchard St was $2,430.

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		$160,000 (-) Land $10,000 Building $150,000	$160,000 (-) Land $10,000 Building $150,000
2025	$2,430.00	$160,000 Land $10,000 Building $150,000	$160,000 Land $10,000 Building $150,000
2023	$1,714.00	$114,400 Land $10,000 Building $104,400	$114,400 Land $10,000 Building $104,400

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

Flood

FEMA maps place 712 Orchard St 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 712 Orchard St 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 419 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
T-Mobile Fixed Wireless	100 / 20