Kenton County property record for 993 Wermeling Ln, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 936 sqft · built 2008 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Company Name on File |
| Last Sale | $85,000 (Jul 2015) |
| Tax Bill | $2,527 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-10-02-344.00 |
| Primary APN | 016-10-02-344.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 936 sqft Finished Area |
| Year Built | Built 2008 |
|---|---|
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Old Parcel Number | 0161002344.00 |
|---|---|
| Street Address | 993 WERMELING LN |
| City | ELSMERE |
| State | KY |
| Zip | 41018-1910 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIPPLE CREEK II ADDITION SEC 13 LOT 344 |
| Legal Subdivision | RIPPLE CREEK II |
| Legal Phase | 13 |
| Legal Lot Number | 344 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 65600 |
Source: Kenton County records · APN 016-10-02-344.00
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1530 AMSTERDAM RD, FT WRIGHT, KY 41011-1900 |
| Owner Type | Company |
| Date | Document |
|---|---|
| May 09, 2022 | Deed of Trust, Mortgage WESBANCO BANK INC |
| Dec 08, 2017 | Grant Deed, Mortgage · Line of Credit UNITED BK & CAP TR CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 22, 2015 · Amount on Record |
| Deed Sale | Jul 22, 2015 · Amount on Record |
| Prior Sale | Apr 11, 2008 · Amount on Record |
| Deed Document Number | 0005696126 |
| Deed Book / Page | 5696 / 126 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 993 WERMELING LN, ELSMERE, KY 41018-1910 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900002 |
|---|---|
| Date | May 09, 2022 |
| Book Page | 368/750 |
| Instrument | 22050905900002 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | NEWPORT, KY 41071 |
| Amount | Amount Recorded |
|---|---|
| Term | 84 Months |
| Due | May 06, 2029 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 08, 2017 |
| Property Address | 993 WERMELING LN, ELSMERE, KY 41018-1910 |
| Book / Page | 004039 / 000339 |
| Instrument Date | Dec 08, 2017 |
| Instrument | 133 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 993 WERMELING LN ELSMERE KY 410181910, ELSMERE, KY 41018-1910 |
| Document Number | 0000000133 |
|---|---|
| Date | Dec 08, 2017 |
| Book Page | 004039/000339 |
| Instrument | 133 |
| Name | UNITED BK & CAP TR CO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 07, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,527.00 (+1.32%) | $166,400 (-) Land $25,000 Building $141,400 | $166,400 (-) Land $25,000 Building $141,400 |
| 2023 | $2,494.00 | $166,400 Land $25,000 Building $141,400 | $166,400 Land $25,000 Building $141,400 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 427 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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