922 Central Row Rd, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 922 Central Row Rd, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,912 sqft · built 1948
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Nov 2025)
Tax Bill	$2,126 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`004-30-21-249.00`

Property Details

APN / Parcel Number

Primary APN	`004-30-21-249.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,912 sqft Finished Area

Exterior

Year Built	Built 1948
Exterior Material	Stone
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0043021249.00
Street Address	922 CENTRAL ROW RD
City	ELSMERE
State	KY
Zip	41018-2310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODSIDE LOTS 819-820-821
Legal Subdivision	WOODSIDE ADDN
Legal Lot Number	819-821 820
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2006
Census Tract	65600

Owner

Source: Kenton County assessment roll, as of April 1, 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	922 CENTRAL ROW RD, ELSMERE, KY 41018-2310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV
Nov 3, 2025	Deed of Trust, Mortgage · FHA Mortgage LUMINATE BANK
Nov 3, 2025	Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV
Nov 3, 2025	Deed of Trust, Mortgage · FHA Mortgage LUMINATE BANK
Nov 3, 2025	Warranty Deed, Transfer · FHA Mortgage LUMINATE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 3, 2025 · Amount on Record
Deed Sale	Nov 3, 2025 · Amount on Record
Prior Sale	Nov 8, 2024 · Amount on Record
Deed Document Number	25110305900204
Deed Book / Page	KC 372 / 410
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	922 CENTRAL ROW RD, ELSMERE, KY 41018-2310
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 CENTRAL ROW RD, ELSMERE, KY 41018-2310

Mortgage

Document Number	0005900206
Date	Nov 3, 2025
Book Page	KCM 703/393
Instrument	25110305900206

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2040

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	922 CENTRAL ROW RD, ELSMERE, KY 41018-2310
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7815 JACQUELINE CT 14, 14, FLORENCE, KY 41042-2280

Mortgage

Document Number	0005900205
Date	Nov 3, 2025
Book Page	KCM 703/372
Instrument	25110305900205

Lender

Name	LUMINATE BANK
Type	Bank
Address	MINNEAPOLIS, MN 55405

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	922 CENTRAL ROW RD, ELSMERE, KY 41018-2310
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 CENTRAL ROW RD, ELSMERE, KY 41018-2310

Mortgage

Document Number	0005900206
Date	Nov 3, 2025
Book Page	KCM 703/393
Instrument	25110305900206

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2040

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	922 CENTRAL ROW RD, ELSMERE, KY 41018-2310
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7815 JACQUELINE CT 14, 14, FLORENCE, KY 41042-2280

Mortgage

Document Number	0005900205
Date	Nov 3, 2025
Book Page	KCM 703/372
Instrument	25110305900205

Lender

Name	LUMINATE BANK
Type	Bank
Address	MINNEAPOLIS, MN 55405

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 3, 2025
Property Address	922 CENTRAL ROW RD, ELSMERE, KY 41018-2310
Document Number	0005900204
Book / Page	KC 372 / 410
Instrument Date	Nov 3, 2025
Instrument	25110305900204
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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	2142 TREETOP LN, HEBRON, KY 41048-9313

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	922 CENTRAL ROW RD, ELSMERE, KY 41018-2310

Mortgage

Document Number	0005900205
Date	Nov 3, 2025
Instrument	25110305900205

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Mortgage

Document Number	0005900206
Date	Nov 3, 2025
Book Page	KCM 703/393
Instrument	25110305900206

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$2,126.00 (+21.9%)	$140,000 (-12.5%) Land $30,000 Building $110,000	$140,000 (-12.5%) Land $30,000 Building $110,000
2024	$1,744.00 (+2.47%) Disabled Person's exemption	$160,000 (-) Land $30,000 Building $130,000	$160,000 (-) Land $30,000 Building $130,000
2023	$1,702.00 Disabled Person's exemption	$160,000 Land $30,000 Building $130,000	$160,000 Land $30,000 Building $130,000

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

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)
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.

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