811 Main St, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 811 Main St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,013 sqft · built 1939
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$123,500 (Sep 2020)
Tax Bill	$2,345 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-30-21-245.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-21-245.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,013 sqft Finished Area

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	130 ft deep x 125 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	811 MAIN ST
City	ELSMERE
State	KY
Zip	41018-2349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSIDE LOTS 801-802-803
Legal Subdivision	WOODSIDE ADDN
Legal Lot Number	801-803
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2006
Census Tract	65600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	811 MAIN ST, ELSMERE, KY 41018-2349
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 4, 2020	Deed of Trust, Mortgage · FHA Mortgage UNION HM MTG CORP
Sep 16, 2020	Warranty Deed, Transfer · FHA Mortgage UNION HM MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Prior Sale	Sep 2, 2015 · Amount on Record
Deed Document Number	20205900115
Deed Book / Page	43 / 822
Prior Transfer Date	Sep 23, 2015
Prior Transfer Doc	0005900348
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	811 MAIN ST, ELSMERE, KY 41018-2349
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900025
Date	Jan 26, 2022
Book Page	331/31
Instrument	22012605900025

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	811 MAIN ST, ELSMERE, KY 41018-2349
Document Number	0000000116
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 MAIN ST ELSMERE KY 410182349, ELSMERE, KY 41018-2349

Mortgage

Document Number	0000000116
Date	Sep 16, 2020
Book Page	000M98/000385
Instrument	116

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 16, 2020
Property Address	811 MAIN ST, ELSMERE, KY 41018-2349
Document Number	0000000115
Book / Page	000043 / 000822
Instrument Date	Sep 4, 2020
Instrument	115
Transaction Type	Transfer
Record Updated	Oct 21, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 MAIN ST ELSMERE KY 410182349, ELSMERE, KY 41018-2349

Mortgage

Document Number	116
Date	Sep 16, 2020
Book Page	000M98/000385
Instrument	116

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2050

Tax Assessment & Valuation

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		$154,400 (-) Land $30,000 Building $124,400	$154,400 (-) Land $30,000 Building $124,400
2025	$2,345.00 (+1.34%)	$154,400 (-) Land $30,000 Building $124,400	$154,400 (-) Land $30,000 Building $124,400
2023	$2,314.00	$154,400 Land $30,000 Building $124,400	$154,400 Land $30,000 Building $124,400

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 485 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

811 Main St, Elsmere (Erlanger), KY 41018 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Main St

Nearby Streets

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