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

Kenton County property record for 943 Shadowridge Dr, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2019
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jun 2025)
Tax Bill	$2,568 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage Sep 2018 Sale & Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-393.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-393.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 2019
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	943 SHADOWRIDGE DR
City	ELSMERE
State	KY
Zip	41018-4050
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 15 LOT 393
Legal Subdivision	RIPPLE CREEK II
Legal Phase	15
Legal Lot Number	393
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
Census Tract	65600

Owner

Source: Kenton County records, as of November 27, 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 Record
Co-owner	Co-owner on Record
Mailing Address	943 SHADOWRIDGE DR, ELSMERE, KY 41018-4050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2019	Warranty Deed, Subdivision Related Transfer · Conventional with PMI UNION HM MTG CORP
Sep 24, 2018	Grant Deed, Construction Loan · Line of Credit HERITAGE BK
Nov 28, 2017	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY
Nov 28, 2017	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY
Dec 6, 2017	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY
Dec 4, 2017	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2025 · Amount on Record
Deed Sale	Jun 17, 2025 · Amount on Record
Prior Sale	Apr 18, 2019 · Amount on Record
Deed Document Number	0006642247
Deed Book / Page	6642 / 247
Record Updated	Jun 8, 2026

April 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 18, 2019
Property Address	943 SHADOWRIDGE DR, ELSMERE, KY 41018-4050
Document Number	0000000156
Book / Page	0C6642 / 000247
Instrument Date	Apr 16, 2019
Instrument	156
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 27, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$159.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	943 SHADOWRIDGE DR ELSMERE KY 410184050, ELSMERE, KY 41018-4050

Mortgage

Document Number	157
Date	Apr 18, 2019
Book Page	0C6642/000250
Instrument	157

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2049

Mortgage

Document Number	158,
Date	Apr 18, 2019
Book Page	0C6642/000266
Instrument	158

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Apr 17, 2029

Interest

Rate	12%

September 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Sep 24, 2018
Property Address	943 SHADOWRIDGE DR, ELSMERE, KY 41018-4050
Document Number	0000000045
Book / Page	0C6506 / 000307
Instrument Date	Sep 20, 2018
Instrument	45
Transaction Type	Construction Loan
Record Updated	Oct 23, 2018
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$70.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6434 CROFTON CT BURLINGTON KY 410057965, BURLINGTON, KY 41005-7965

Mortgage

Document Number	46
Date	Sep 24, 2018
Book Page	0C6506/000310
Instrument	46

Lender

Name	HERITAGE BK
Type	Bank
Address	UNION, KY 41091

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 23, 2019

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	48,
Date	Sep 24, 2018
Book Page	0C6506/000323
Instrument	48

Lender

Name	HERITAGE BK
Type	Bank
Address	BOONE, KY 41091

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 23, 2019

Interest

Rate Type	Adjustable Rate

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Nov 28, 2017
Property Address	943 SHADOWRIDGE DR, ELSMERE, KY 41018-4050
Document Number	0000000167
Book / Page	0I4034 / 000309
Instrument Date	Nov 24, 2017
Instrument	167
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3333 MADISON PIKE #C FORT WRIGHT KY 410178184, C, FORT WRIGHT, KY 41017-8184
Investor	Possibly a Property Investor

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Nov 28, 2017
Property Address	943 SHADOWRIDGE DR, ELSMERE, KY 41018-4050
Document Number	0000000165
Book / Page	0C6302 / 000297
Instrument Date	Nov 24, 2017
Instrument	165
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3333 MADISON PIKE #C FORT WRIGHT KY 410178184, C, FORT WRIGHT, KY 41017-8184
Investor	Possibly a Property Investor

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 6, 2017
Property Address	943 SHADOWRIDGE DR, ELSMERE, KY 41018-4050
Document Number	0000000202
Book / Page	0I4039 / 000033
Instrument Date	Nov 24, 2017
Instrument	202
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$121.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3333 MADISON PIKE #C FORT WRIGHT KY 410178184, C, FORT WRIGHT, KY 41017-8184
Investor	Possibly a Property Investor

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 4, 2017
Property Address	943 SHADOWRIDGE DR, ELSMERE, KY 41018-4050
Document Number	0000000113
Book / Page	0C6306 / 000294
Instrument Date	Nov 24, 2017
Instrument	113
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$285.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3333 MADISON PIKE #C FORT WRIGHT KY 410178184, C, FORT WRIGHT, KY 41017-8184
Investor	Possibly a Property Investor

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	$2,568.00 (+1.34%)	$169,100 (-) Land $25,000 Building $144,100	$169,100 (-) Land $25,000 Building $144,100
2023	$2,534.00	$169,100 Land $25,000 Building $144,100	$169,100 Land $25,000 Building $144,100

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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 427 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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