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

Kenton County property record for 815 Main St, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 918 sqft · built 1984
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (May 2022)
Tax Bill	$3,083 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-30-21-247.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-21-247.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	918 sqft Finished Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	90 ft deep x 25 ft wide
Garage Type	Basement
Garage Area	209 sqft
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	815 MAIN ST
City	ELSMERE
State	KY
Zip	41018-2349
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSIDE LOT 798 & 25' STRIP ADJ CLOSED PORTION OF PLATEAU AVE
Legal Subdivision	WOODSIDE ADDN
Legal Lot Number	798
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	2 Individual Names on Record
Mailing Address	815 MAIN ST, ELSMERE, KY 41018-2349
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Warranty Deed, Transfer · VA Mortgage OCEANSIDE MORTGAGE CO
May 25, 2022	Deed, Transfer · Conventional Mortgage THE CREDIT RESOURCE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2022 · Amount on Record
Deed Sale	May 25, 2022 · Amount on Record
Deed Document Number	2022052572
Deed Book / Page	167 / 159
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 9, 2024
Property Address	815 MAIN ST, ELSMERE, KY 41018-2349
Document Number	0005900207
Book / Page	KC 278 / 615
Map Reference	MB 126 PG 822
Instrument Date	Mar 1, 2024
Instrument	24040905900207
Transaction Type	Transfer
Record Updated	May 16, 2024

Transaction

Amount	Amount Recorded
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	7380 HIGHWAY 22 E, OWENTON, KY 40359-9187

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	815 MAIN ST, ELSMERE, KY 41018-2349

Mortgage

Document Number	0005900208
Date	Apr 9, 2024
Book Page	KCM 539/447
Instrument	24040905900208

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	55 MAIN ST, TOMS RIVER, NJ 08753

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	May 25, 2022
Property Address	815 MAIN ST, ELSMERE, KY 41018-2349
Document Number	0005900072
Book / Page	167 / 159
Map Reference	PG 345
Instrument Date	May 13, 2022
Instrument	22052505900072
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	MILLENNIAL TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	626 TUPELO DR, INDEPENDENCE, KY 41051-9005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 MAIN ST, ELSMERE, KY 41018-2349

Mortgage

Document Number	0005900073
Date	May 25, 2022
Book Page	373/111
Instrument	22052505900073

Lender

Name	THE CREDIT RESOURCE LLC
Type	Non-Lending Institution
Address	FLORENCE, KY 41042

Agreement

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

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		$203,000 (-) Land $15,000 Building $188,000	$203,000 (-) Land $15,000 Building $188,000
2025	$3,083.00 (+26.2%)	$203,000 (+24.54%) Land $15,000 Building $188,000	$203,000 (+24.54%) Land $15,000 Building $188,000
2023	$2,443.00	$163,000 Land $15,000 Building $148,000	$163,000 Land $15,000 Building $148,000

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	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 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 527 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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