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

Kenton County property record for 998 Shadowridge Dr, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,056 sqft · built 1997
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$259,000 (Oct 2024)
Tax Bill	$3,934 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-191.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-191.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,056 sqft Finished Area
Gross Area	1,296 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	998 SHADOWRIDGE DR
City	ELSMERE
State	KY
Zip	41018-4049
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 7 LOT 191
Legal Subdivision	RIPPLE CREEK II
Legal Phase	7
Legal Lot Number	191
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
Census Tract	65600

Owner

Source: Kenton County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	798 SHADOWRIDGE DR, ELSMERE, KY 41018
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2024	Warranty Deed, Transfer · Conventional Mortgage UMORTGAGE LLC
Oct 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage THRIVE MORTGAGE LLC
Sep 13, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2024 · Amount on Record
Deed Sale	Oct 31, 2024 · Amount on Record
Prior Sale	Oct 3, 2023 · Amount on Record
Deed Document Number	2024133
Deed Book / Page	312
Prior Transfer Date	Jun 20, 2022
Prior Transfer Doc	0005900024
Record Updated	Jun 8, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 31, 2024
Property Address	998 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Document Number	0005900133
Book / Page	KC 312 / 312
Map Reference	PL 1777
Instrument Date	Oct 28, 2024
Instrument	24103105900133
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2375 S PARK DR, HEBRON, KY 41048-2007

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	998 SHADOWRIDGE DR, ELSMERE, KY 41018-4049

Mortgage

Document Number	0005900134
Date	Oct 31, 2024
Instrument	24103105900134

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	998 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5914 GREENSCAPE DR D, D, FLORENCE, KY 41042-2859

Mortgage

Document Number	0005900248
Date	Oct 3, 2023
Book Page	KCM 496/759
Instrument	23100305900248

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company
Address	GEORGETOWN, TX 78633

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Sep 13, 2022
Property Address	998 SHADOWRIDGE DR, ELSMERE, KY 41018-4049
Document Number	0005900024
Book / Page	189 / 618
Map Reference	PL 1777
Instrument Date	Jun 20, 2022
Instrument	22091305900024
Transaction Type	Transfer
Record Updated	Sep 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	998 SHADOWRIDGE DR, 998, ELSMERE, KY 41018-4049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	998 SHADOWRIDGE DR, ELSMERE, KY 41018-4049

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
2025	$3,934.00 (+76.02%)	$259,000 (+32.48%) Land $25,000 Building $234,000	$259,000 (+32.48%) Land $25,000 Building $234,000
2023	$2,235.00 Homeowner's exemption	$195,500 Land $25,000 Building $170,500	$195,500 Land $25,000 Building $170,500

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 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.

Nearby Properties on Shadowridge Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures