Kenton County property record for 813 Main St, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 896 sqft · built 1982 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Jun 2003) |
| Tax Bill | $2,617 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-30-21-245.01 |
| Primary APN | 004-30-21-245.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 896 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 813 MAIN ST |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2349 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODSIDE LOTS 799-800 |
| Legal Subdivision | WOODSIDE ADDN |
| Legal Lot Number | 799-800 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 65600 |
Source: Kenton County records · APN 004-30-21-245.01
Assessment roll updated December 2, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 813 MAIN ST, ELSMERE, KY 41018-2349 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2024 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Jan 27, 2022 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 06, 2003 · Amount on Record |
| Deed Sale | Jun 06, 2003 · Amount on Record |
| Prior Sale | Jul 15, 1997 · Amount on Record |
| Deed Document Number | 200306 06 059 00178 |
| Deed Book / Page | 1643 / 24 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 813 MAIN ST, ELSMERE, KY 41018-2349 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 813 MAIN ST, ELSMERE, KY 41018-2349 |
| Document Number | 0005900035 |
|---|---|
| Date | Mar 15, 2024 |
| Book Page | KCM 533/27 |
| Instrument | 24031505900035 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Apr 01, 2064 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 813 MAIN ST, ELSMERE, KY 41018-2349 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Name | Verified Name |
|---|---|
| Address | 813 MAIN ST, ELSMERE, KY 41018-2349 |
| Document Number | 0005900014 |
|---|---|
| Date | Jan 27, 2022 |
| Book Page | 331/406 |
| Instrument | 22012705900014 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 2026
| 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 | $2,617.00 (+1.36%) | $172,300 (-) Land $20,000 Building $152,300 | $172,300 (-) Land $20,000 Building $152,300 |
| 2023 | $2,582.00 | $172,300 Land $20,000 Building $152,300 | $172,300 Land $20,000 Building $152,300 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 527 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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