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

Kenton County property record for 990 Wermeling Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 931 sqft · built 2009
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$258,000 (Apr 2024)
Tax Bill	$3,919 (2025)
Deeds & Mortgages	Apr 2024 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-358.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-358.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	931 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	6,534 sqft (0.15 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	990 WERMELING LN
City	ERLANGER
State	KY
Zip	41018-1929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II ADDITION SEC 14 LOT 358
Legal Subdivision	RIPPLE CREEK II
Legal Phase	14
Legal Lot Number	358
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
Census Tract	65600

Owner

990 Wermeling Ln is owned and occupied by an individual who bought it in April 2024.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	990 WERMELING LN, ERLANGER, KY 41018-1929
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · VA Mortgage THE HUNTINGTON NATIONAL BANK
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 26, 2020	Deed of Trust, Transfer · Conventional with PMI QUICKEN LNS
Apr 2, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Oct 11, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2024 · Amount on File
Deed Sale	Apr 29, 2024 · Amount on File
Prior Sale	Apr 2, 2020 · Amount on File
Deed Document Number	2024042998
Deed Book / Page	281 / 529
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	990 WERMELING LN, ELSMERE, KY 41018-1929
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6559 ALPINE WAY, BURLINGTON, KY 41005-8136

Mortgage

Document Number	0005900099
Date	Apr 29, 2024
Book Page	KCM544/168
Instrument	24042905900099

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	7 EASTON OVAL, COLUMBUS, OH 43219

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	990 WERMELING LN, ELSMERE, KY 41018-1929
Transaction Type	Mortgage
Record Updated	Jun 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900227
Date	May 26, 2021
Book Page	220/836
Instrument	21052605900227

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

March 2020: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	990 WERMELING LN, ELSMERE, KY 41018-1929
Document Number	0000000010
Instrument Date	Mar 26, 2020
Transaction Type	Transfer
Record Updated	May 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	990 WERMELING LN ERLANGER KY 410181929, ERLANGER, KY 41018-1929

Mortgage

Document Number	0000000010
Date	Apr 2, 2020
Book Page	000M27/000356
Instrument	10

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 2, 2020
Property Address	990 WERMELING LN, ELSMERE, KY 41018-1929
Document Number	0000000009
Book / Page	000015 / 000202
Instrument Date	Mar 26, 2020
Instrument	9
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	990 WERMELING LN ELSMERE KY 410181929, ELSMERE, KY 41018-1929

Mortgage

Document Number	10
Date	Apr 2, 2020
Book Page	000M27/000356
Instrument	10

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 11, 2018
Property Address	990 WERMELING LN, ELSMERE, KY 41018-1929
Document Number	0000000203
Book / Page	0C6521 / 000329
Instrument Date	Oct 2, 2018
Instrument	203
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount 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 WERMELING LN ELSMERE KY 410181929, ELSMERE, KY 41018-1929

Mortgage

Document Number	207
Date	Oct 11, 2018
Book Page	0C6521/000332
Instrument	207

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 990 Wermeling Ln was $3,919.

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		$258,000 (-) Land $25,000 Building $233,000	$258,000 (-) Land $25,000 Building $233,000
2025	$3,919.00	$258,000 Land $25,000 Building $233,000	$258,000 Land $25,000 Building $233,000
2023	$2,488.00	$166,000 Land $25,000 Building $141,000	$166,000 Land $25,000 Building $141,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 990 Wermeling Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 990 Wermeling Ln is low, with a 0.01% annual chance of 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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