990 Capitol Ave, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 990 Capitol Ave, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,712 sqft · built 1953
Lot Size	0.83 acres (36,155 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Nov 2019)
Tax Bill	$3,563 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-01-251.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-01-251.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,712 sqft Finished Area

Exterior

Year Built	Built 1953
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	36,155 sqft (0.83 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0161001251.00
Street Address	990 CAPITOL AVE
City	ELSMERE
State	KY
Zip	41018-2408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH ERLANGER LOTS 989-990-991 AND 885 THRU 888 & 889-892-893 & 896-897
Legal Subdivision	SOUTH ERLANGER
Legal Phase	3
Legal Lot Number	885-889
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1009
Census Tract	65600

Owner

Source: Kenton County records, as of November 27, 2025

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	990 CAPITOL AVE, ELSMERE, KY 41018-2408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 18, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 22, 2019	Grant Deed, Transfer · FHA Mortgage CENTURY LNDG
Jun 8, 2017	Grant Deed, Transfer FIFTH THIRD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2019 · Amount on Record
Deed Sale	Nov 22, 2019 · Amount on Record
Prior Sale	Jun 8, 2017 · Amount on Record
Deed Document Number	0000680874
Deed Book / Page	6808 / 74
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	990 CAPITOL AVE, ELSMERE, KY 41018-2408
Transaction Type	Mortgage
Record Updated	Aug 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900048
Date	Jul 26, 2023
Book Page	KCM 478/971
Instrument	23072605900048

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	990 CAPITOL AVE, ELSMERE, KY 41018-2408
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900072
Date	Nov 18, 2021
Book Page	303/332
Instrument	21111805900072

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Dec 1, 2049

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Nov 22, 2019
Property Address	990 CAPITOL AVE, ELSMERE, KY 41018-2408
Document Number	0000000111
Book / Page	0C6808 / 000074
Instrument Date	Oct 25, 2019
Instrument	111
Transaction Type	Transfer
Record Updated	Dec 23, 2019
Title Company	AMERICAN HOMELAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	990 CAPITOL AVE ELSMERE KY 410182408, ELSMERE, KY 41018-2408

Mortgage

Document Number	119
Date	Nov 22, 2019
Book Page	0C6808/000080
Instrument	119

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jun 8, 2017
Property Address	990 CAPITOL AVE, ELSMERE, KY 41018-2408
Document Number	0000000194
Book / Page	0C6177 / 000034
Instrument Date	Apr 10, 2017
Instrument	194
Transaction Type	Transfer
Record Updated	Jun 19, 2017
Title Company	INDIANA LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$112.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	990 CAPITOL AVE ELSMERE KY 410182408, ELSMERE, KY 41018-2408

Mortgage

Document Number	197
Date	Jun 8, 2017
Book Page	0C6177/000038
Instrument	197

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2047

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$3,563.00 (+1.34%)	$234,600 (-) Land $60,000 Building $174,600	$234,600 (-) Land $60,000 Building $174,600
2023	$3,516.00	$234,600 Land $60,000 Building $174,600	$234,600 Land $60,000 Building $174,600

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
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 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 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 527 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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