910 Garvey Ave, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 910 Garvey Ave, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,186 sqft · built 1959
Lot Size	0.29 acres (12,632 sqft)
Owner	Company Name on Record
Tax Bill	$1,880 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-01-121.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-01-121.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,186 sqft Finished Area
Gross Area	1,867 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	910 GARVEY AVE
City	ELSMERE
State	KY
Zip	41018-2500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH ERLANGER LOTS 842 THRU 845
Legal Subdivision	SOUTH ERLANGER
Legal Phase	45
Legal Lot Number	842-845
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2004
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	Company Name on Record
Mailing Address	910 GARVEY AVE, ELSMERE, KY 41018-2500
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Feb 2, 2023	Intrafamily Transfer, Transfer
Jun 5, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2007
Deed Sale	Dec 13, 2007
Deed Document Number	200712 13 059 00160
Deed Book / Page	3584 / 269
Last Transfer Date	Jan 20, 2023
Transfer Doc	0005900124
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	910 GARVEY AVE, ELSMERE, KY 41018-2500
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900261
Date	Mar 22, 2022
Book Page	351/138
Instrument	22032205900261

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	237 Months
Due	Dec 1, 2041

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Feb 2, 2023
Property Address	910 GARVEY AVE, ELSMERE, KY 41018-2500
Document Number	0005900124
Book / Page	KC 211 / 884
Map Reference	PL 295
Instrument Date	Jan 20, 2023
Instrument	23020205900124
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	910 GARVEY AVE, ELSMERE, KY 41018-2500

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	910 GARVEY AVE, ELSMERE, KY 41018-2500

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	910 GARVEY AVE, ELSMERE, KY 41018-2500
Document Number	000M630498
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	910 GARVEY AVE ELSMERE KY 410182500, ELSMERE, KY 41018-2500

Mortgage

Document Number	000M630498
Date	Jun 29, 2020
Book Page	000M63/000498

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

Interest

Rate Type	Adjustable Rate

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		$172,900 (-) Land $30,000 Building $142,900	$172,900 (-) Land $30,000 Building $142,900
2025	$1,880.00 (-0.84%) Homeowner's exemption	$172,900 (-) Land $30,000 Building $142,900	$172,900 (-) Land $30,000 Building $142,900
2023	$1,896.00 Homeowner's exemption	$172,900 Land $30,000 Building $142,900	$172,900 Land $30,000 Building $142,900

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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