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

Kenton County property record for 986 Shadowridge Dr, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2019
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Aug 2022)
Tax Bill	$2,023 (2025)
Deeds & Mortgages	Aug 2022 Sale Oct 2019 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-382.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-382.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	986 SHADOWRIDGE DR
City	ELSMERE
State	KY
Zip	41018-4049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 15 LOT 382
Legal Subdivision	RIPPLE CREEK II
Legal Phase	15
Legal Lot Number	382
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
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	Individual Name on Record
Mailing Address	986 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Quit Claim Deed, Transfer Quitclaim
Oct 9, 2019	Warranty Deed, Subdivision Related Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
May 16, 2019	Trustee's Deed, Construction Loan · Construction Mortgage HERITAGE BK
Apr 12, 2019	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY
Nov 28, 2017	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY
Dec 6, 2017	Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2022 · Amount on Record
Deed Sale	Aug 11, 2022 · Amount on Record
Prior Sale	Oct 9, 2019 · Amount on Record
Deed Document Number	2022213
Deed Book / Page	183 / 41
Prior Transfer Date	Aug 5, 2022
Prior Transfer Doc	0005900213
Record Updated	Oct 29, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Aug 11, 2022
Property Address	986 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Document Number	0005900213
Book / Page	183 / 41
Map Reference	SL 2124
Instrument Date	Aug 1, 2022
Instrument	22081105900213
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount Recorded
Tax	$70.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	986 SHADOWRIDGE DR, 986, ELSMERE, KY 41018-4049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	986 SHADOWRIDGE DR, ELSMERE, KY 41018-4049

October 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 9, 2019
Property Address	986 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Document Number	0000000099
Book / Page	0C6774 / 000038
Instrument Date	Oct 4, 2019
Instrument	99
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 14, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$182.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	986 SHADOWRIDGE DR ELSMERE KY 410184049, ELSMERE, KY 41018-4049

May 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	May 16, 2019
Property Address	986 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Book / Page	0C6661 / 000291
Instrument Date	May 6, 2019
Instrument	277
Transaction Type	Construction Loan
Record Updated	Jun 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000000277
Date	May 16, 2019
Book Page	0C6661/000291
Instrument	277

Lender

Name	HERITAGE BK
Type	Bank
Address	UNION, KY 41091

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 15, 2020

Interest

Rate Type	Adjustable Rate

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 12, 2019
Property Address	986 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Document Number	0000000113
Book / Page	0C6638 / 000136
Instrument Date	Mar 14, 2019
Instrument	113
Transaction Type	Transfer
Record Updated	Apr 25, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$35.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	403 LONGMEADOW LN FORT MITCHELL KY 410174203, FORT MITCHELL, KY 41017-4203

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Nov 28, 2017
Property Address	986 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Document Number	0000000164
Book / Page	0C6302 / 000290
Instrument Date	Nov 24, 2017
Instrument	164
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$30.00
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

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 6, 2017
Property Address	986 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
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

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		$182,300 (-) Land $25,000 Building $157,300	$182,300 (-) Land $25,000 Building $157,300
2025	$2,023.00 (-0.69%) Homeowner's exemption	$182,300 (-) Land $25,000 Building $157,300	$182,300 (-) Land $25,000 Building $157,300
2023	$2,037.00 Homeowner's exemption	$182,300 Land $25,000 Building $157,300	$182,300 Land $25,000 Building $157,300

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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