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

Kenton County property record for 977 Wermeling Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,050 sqft · built 2008
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$124,200 (Jun 2012)
Tax Bill	$2,033 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-348.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-348.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	4 Units
Building Area	1,050 sqft Finished Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	977 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 348
Legal Subdivision	RIPPLE CREEK II
Legal Phase	14
Legal Lot Number	348
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	977 WERMELING LN, ERLANGER, KY 41018-1910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Jul 20, 2018	Warranty Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2012 · Amount on Record
Deed Sale	Jun 29, 2012 · Amount on Record
Prior Sale	Aug 14, 2008 · Amount on Record
Deed Document Number	201206 29 059 00239
Deed Book / Page	4883 / 242
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	977 WERMELING LN, ELSMERE, KY 41018-1910
Transaction Type	Mortgage
Record Updated	Jul 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900051
Date	Jun 28, 2021
Book Page	236/389
Instrument	21062805900051

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2018
Property Address	977 WERMELING LN, ELSMERE, KY 41018-1910
Document Number	0000000156
Book / Page	006457 / 000077
Instrument Date	Jul 16, 2018
Instrument	156
Transaction Type	Transfer
Record Updated	Aug 6, 2018
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146.00
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	977 WERMELING LN ERLANGER KY 410181910, ERLANGER, KY 41018-1910

Mortgage

Document Number	157
Date	Jul 20, 2018
Book Page	0C6457/000080
Instrument	157

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 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		$183,000 (-) Land $25,000 Building $158,000	$183,000 (-) Land $25,000 Building $158,000
2025	$2,033.00 (-0.68%) Homeowner's exemption	$183,000 (-) Land $25,000 Building $158,000	$183,000 (-) Land $25,000 Building $158,000
2023	$2,047.00 Homeowner's exemption	$183,000 Land $25,000 Building $158,000	$183,000 Land $25,000 Building $158,000

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
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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