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940 Shadowridge Dr, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 940 Shadowridge Dr, Elsmere, KY 41018 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 2019
Lot Size6,098 sqft (0.14 acres)
GarageBasement
OccupancyOwner Occupied
Last Sale$285,000 (2026)
Tax Bill$2,892.00 (2025)

Property Details

APN / Parcel Number

Primary APN016-10-02-399.00

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleBi-Level Style
Exterior MaterialStone Exterior
Lot Area6,098 sqft (0.14 acres)
Parking Spaces2 Parking Spaces
Garage TypeBasement Garage

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Street Address940 SHADOWRIDGE DR
CityELSMERE
StateKY
Zip41018-4049
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionRIPPLE CREEK II SEC 15 LOT 399
Legal SubdivisionRIPPLE CREEK II
Legal Phase15
Legal Lot Number399
JurisdictionKENTON KY
Minor Civil DivisionCOVINGTON
Census Blockgroup3
Census Block3019
Census Tract65600

Owner

Source: Kenton County records · APN 016-10-02-399.00

Assessment roll updated December 2, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address940 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 05, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
QUICKEN LOANS LLC
Feb 06, 2026Warranty Deed, Transfer · Conventional Mortgage
FIFTH THIRD BANK NA
Jan 24, 2020Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MTG
Jan 24, 2020Quit Claim Deed, Transfer
AMERICAN HOMELAND TITLE AGENCY
May 15, 2019Deed of Trust, Mortgage
CENTRAL BK
Jul 14, 2017Grant Deed, Transfer
KENTUCKY LAND TITLE AGENCY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 06, 2026 · Amount on Record
Deed SaleFeb 06, 2026 · Amount on Record
Prior SaleFeb 07, 2025 · Amount on Record
Deed Doc Number202602062441
Deed Book / Page388 / 732
Record RefreshedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address940 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Transaction TypeMortgage
Record UpdatedMar 06, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900042
DateMar 05, 2021
Book Page178/943
Instrument21030505900042
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term359 Months
DueFeb 01, 2051

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateFeb 06, 2026
Property Address940 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Document Number0000002441
Book / Page388 / 732
Map ReferenceSL 2124
Instrument DateFeb 04, 2026
Instrument26059000002441
Transaction TypeTransfer
Record UpdatedMar 06, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$285.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address940 SHADOWRIDGE DR, ELSMERE, KY 41018-4049

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address940 SHADOWRIDGE DR, ELSMERE, KY 41018-4049

Mortgage

Document Number0000002442
DateFeb 06, 2026
Instrument26059000002442
Lender
NameFIFTH THIRD BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2056

January 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJan 24, 2020
Property Address940 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Document Number0000000025
Book / Page000003 / 000774
Instrument DateDec 31, 2019
Instrument25
Transaction TypeSubdivision Related Transfer
Record UpdatedMar 20, 2020
Title CompanyAMERICAN HOMELAND TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$175.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address940 SHADOWRIDGE DR ELSMERE KY 410184049, ELSMERE, KY 41018-4049

Mortgage

Document Number26
DateJan 24, 2020
Book Page0000M5/000717
Instrument26
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 23, 2050

January 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKENTON KY
Recording DateJan 24, 2020
Property Address940 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Document Number0000000024
Book / Page000003 / 000771
Instrument DateDec 27, 2019
Instrument24
Transaction TypeTransfer
Record UpdatedMar 19, 2020
Title CompanyAMERICAN HOMELAND TITLE AGENCY

Transaction

Tax$0.00
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6434 CROFTON CT BURLINGTON KY 410057965, BURLINGTON, KY 41005-7965

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address940 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Document Number0000000157
Instrument DateMay 15, 2019
Transaction TypeMortgage
Record UpdatedJun 03, 2019
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3333 MADISON PIKE #C FORT WRIGHT KY 410178184, C, FORT WRIGHT, KY 41017-8184

Mortgage

Document Number0000000157
DateMay 16, 2019
Book Page006661/000001
Instrument157
Lender
NameCENTRAL BK
TypeBank
AddressLEXINGTON, KY 40507
Agreement
AmountAmount Recorded
Term60 Months
DueMay 15, 2024

July 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateJul 14, 2017
Property Address940 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Document Number0000000024
Book / Page006200 / 000316
Instrument DateJun 28, 2017
Instrument24
Transaction TypeTransfer
Record UpdatedNov 21, 2017
Title CompanyKENTUCKY LAND TITLE AGENCY

Transaction

AmountAmount Recorded
Tax$60.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3333 MADISON PIKE #C FORT WRIGHT KY 410178184, C, FORT WRIGHT, KY 41017-8184

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityElsmere City
Unified School DistrictErlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,892.00 (+1.33%)$190,400 (-) Land $25,000 Building $165,400$190,400 (-) Land $25,000 Building $165,400
2023$2,854.00$190,400 Land $25,000 Building $165,400$190,400 Land $25,000 Building $165,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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