Kenton County property record for 970 Wermeling Ln, Elsmere, KY 41018 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,039 sqft · built 2009 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Feb 2020) |
| Tax Bill | $2,782 (2025) |
| Deeds & Mortgages | Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-10-02-355.00 |
| Primary APN | 016-10-02-355.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,039 sqft Finished Area |
| Year Built | Built 2009 |
|---|---|
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0161002355.00 |
|---|---|
| Street Address | 970 WERMELING LN |
| City | ELSMERE |
| State | KY |
| Zip | 41018-1929 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIPPLE CREEK II ADDITION SEC 14 LOT 355 |
| Legal Subdivision | RIPPLE CREEK II |
| Legal Phase | 14 |
| Legal Lot Number | 355 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 65600 |
Source: Kenton County records · APN 016-10-02-355.00
Assessment roll updated April 1, 2025 · Last verified December 2025
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 File |
|---|---|
| Mailing Address | 970 WERMELING LN, ELSMERE, KY 41018-1929 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 05, 2020 · Amount on Record |
| Deed Sale | Feb 05, 2020 · Amount on Record |
| Prior Sale | Oct 15, 2013 · Amount on Record |
| Deed Document Number | 0000005931 |
| Deed Book / Page | 5 / 931 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 05, 2020 |
| Property Address | 970 WERMELING LN, ELSMERE, KY 41018-1929 |
| Document Number | 0000000143 |
| Book / Page | 000005 / 000931 |
| Instrument Date | Feb 03, 2020 |
| Instrument | 143 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 970 WERMELING LN ELSMERE KY 410181929, ELSMERE, KY 41018-1929 |
| Document Number | 144 |
|---|---|
| Date | Feb 05, 2020 |
| Book Page | 0000M9/000546 |
| Instrument | 144 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 04, 2050 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,782.00 (+1.31%) | $183,200 (-) Land $25,000 Building $158,200 | $183,200 (-) Land $25,000 Building $158,200 |
| 2023 | $2,746.00 | $183,200 Land $25,000 Building $158,200 | $183,200 Land $25,000 Building $158,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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