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

Kenton County property record for 997 Wermeling Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 884 sqft · built 2007
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$104,500 (May 2019)
Tax Bill	$2,386 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-343.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-343.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	884 sqft Finished Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	6,098 sqft (0.14 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	997 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 343
Legal Subdivision	RIPPLE CREEK II
Legal Phase	13
Legal Lot Number	343
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3014
Census Tract	65600

Owner

Source: Kenton County records · APN 016-10-02-343.00

Assessment roll updated December 2, 2025 · Last verified April 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 File
Mailing Address	997 WERMELING LN, ERLANGER, KY 41018-1910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 03, 2019 · Amount on Record
Deed Sale	May 03, 2019 · Amount on Record
Prior Sale	Jun 14, 2012 · Amount on Record
Deed Document Number	201905 03 059 00088
Deed Book / Page	6652 / 251
Prior Transfer Date	Apr 29, 2019
Prior Transfer Doc	0000000088
Record Updated	Jun 08, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 03, 2019
Property Address	997 WERMELING LN, ELSMERE, KY 41018-1910
Document Number	0000000088
Book / Page	0C6652 / 000251
Instrument Date	Apr 29, 2019
Instrument	88
Transaction Type	Transfer
Record Updated	May 16, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$104.50
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	997 WERMELING LN ELSMERE KY 410181910, ELSMERE, KY 41018-1910

Mortgage

Document Number	89
Date	May 03, 2019
Book Page	0C6652/000254
Instrument	89

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 02, 2049

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

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

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	$2,386.00 (+1.36%)	$157,100 (-) Land $25,000 Building $132,100	$157,100 (-) Land $25,000 Building $132,100
2023	$2,354.00	$157,100 Land $25,000 Building $132,100	$157,100 Land $25,000 Building $132,100

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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.

Internet Providers

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.

Drinking Water

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

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 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.