Kenton County property record for 981 Wermeling Ln, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,134 sqft · built 2009 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $145,000 (Sep 2009) |
| Tax Bill | $2,869 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-10-02-347.00 |
| Primary APN | 016-10-02-347.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,134 sqft Finished Area |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 981 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 347 |
| Legal Subdivision | RIPPLE CREEK II |
| Legal Phase | 14 |
| Legal Lot Number | 347 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 65600 |
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 | 2348 JOHN JAMES CT, HEBRON, KY 41048-7700 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2009 · Amount on Record |
| Deed Sale | Sep 2, 2009 · Amount on Record |
| Prior Sale | Sep 2, 2009 · Amount on Record |
| Deed Document Number | 200909 02 059 00214 |
| Deed Book / Page | 4111 / 165 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 981 WERMELING LN, ELSMERE, KY 41018-1910 |
| Document Number | 0000000188 |
| Instrument Date | Aug 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 981 WERMELING LN ERLANGER KY 410181910, ERLANGER, KY 41018-1910 |
| Document Number | 0000000188 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | 00M123/000045 |
| Instrument | 188 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | GARNET VALLEY, PA 19060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 8, 2035 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $188,900 (-) Land $25,000 Building $163,900 | $188,900 (-) Land $25,000 Building $163,900 | |
| 2025 | $2,869.00 (+1.34%) | $188,900 (-) Land $25,000 Building $163,900 | $188,900 (-) Land $25,000 Building $163,900 |
| 2023 | $2,831.00 | $188,900 Land $25,000 Building $163,900 | $188,900 Land $25,000 Building $163,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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