973 Wermeling Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 973 Wermeling Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 974 sqft · built 2009
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,000 (Apr 2014)
Tax Bill	$2,097 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-349.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-349.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	974 sqft Finished Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	973 WERMELING LN
City	ERLANGER
State	KY
Zip	41018-1910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II ADDITION SEC 14 LOT 349
Legal Subdivision	RIPPLE CREEK II
Legal Phase	14
Legal Lot Number	349
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
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	2 Individual Names on Record
Mailing Address	973 WERMELING LN, ERLANGER, KY 41018-1910
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Jul 1, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Oct 9, 2018	Grant Deed, Transfer · VA Mortgage WINTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2014 · Amount on Record
Deed Sale	Apr 4, 2014 · Amount on Record
Prior Sale	Jan 23, 2009 · Amount on Record
Deed Document Number	201404 04 059 00028
Deed Book / Page	5387 / 277
Last Transfer Date	May 3, 2024
Transfer Doc	0000000161
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	973 WERMELING LN, ELSMERE, KY 41018-1910
Transaction Type	Mortgage
Record Updated	Sep 9, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900039
Date	Sep 1, 2021
Book Page	265/700
Instrument	21090105900039

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Aug 1, 2046

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	973 WERMELING LN, ELSMERE, KY 41018-1910
Document Number	0000000141
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Oct 21, 2019
Title Company	CERTIFIED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	973 WERMELING LN ELSMERE KY 410181910, ELSMERE, KY 41018-1910

Mortgage

Document Number	0000000141
Date	Sep 27, 2019
Book Page	0C6764/000134
Instrument	141

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 26, 2044

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Oct 9, 2018
Property Address	973 WERMELING LN, ELSMERE, KY 41018-1910
Document Number	0000000100
Book / Page	0C6519 / 000139
Instrument Date	Oct 4, 2018
Instrument	100
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$152.00
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	973 WERMELING LN ELSMERE KY 410181910, ELSMERE, KY 41018-1910

Mortgage

Document Number	101
Date	Oct 9, 2018
Book Page	0C6519/000142
Instrument	101

Lender

Name	WINTRUST MTG
Type	Mortgage Company
Address	ROSEMONT, IL 60018

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2048

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		$187,200 (-) Land $25,000 Building $162,200	$187,200 (-) Land $25,000 Building $162,200
2025	$2,097.00 (-0.62%) Homeowner's exemption	$187,200 (-) Land $25,000 Building $162,200	$187,200 (-) Land $25,000 Building $162,200
2023	$2,110.00 Homeowner's exemption	$187,200 Land $25,000 Building $162,200	$187,200 Land $25,000 Building $162,200

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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