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

Kenton County property record for 999 Shadowridge Dr, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,100 sqft · built 1997
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Tax Bill	$2,671 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-10-02-188.00`

Property Details

APN / Parcel Number

Primary APN	`016-10-02-188.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,100 sqft Finished Area
Gross Area	1,220 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	999 SHADOWRIDGE DR
City	ELSMERE
State	KY
Zip	41018-4050
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIPPLE CREEK II SEC 7 LOT 188
Legal Subdivision	RIPPLE CREEK II
Legal Phase	7
Legal Lot Number	188
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3019
Census Tract	65600

Owner

Source: Kenton County records, as of October 20, 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 Record
Mailing Address	999 SHADOWRIDGE DR, ELSMERE, KY 41018-4050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Oct 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK
Sep 14, 2019	Deed of Trust, Mortgage · FHA Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2012
Deed Sale	Sep 5, 2012
Prior Sale	Jun 10, 1997 · Amount on Record
Deed Document Number	201209 05 059 00098
Deed Book / Page	4941 / 114
Prior Transfer Date	Aug 31, 2012
Prior Transfer Doc	0005900098
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	999 SHADOWRIDGE DR, ELSMERE, KY 41018-4050
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	999 SHADOWRIDGE DR, ELSMERE, KY 41018-4050

Mortgage

Document Number	0005900242
Date	Jun 27, 2023
Book Page	KCM 471/780
Instrument	23062705900242

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	999 SHADOWRIDGE DR, ELSMERE, KY 41018-4050
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900356
Date	Sep 22, 2021
Book Page	275/579
Instrument	21092205900356

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	999 SHADOWRIDGE DR, ELSMERE, KY 41018-4050
Document Number	00M1140728
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Nov 5, 2020
Title Company	CONCORD TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	999 SHADOWRIDGE DR ELSMERE KY 410184050, ELSMERE, KY 41018-4050

Mortgage

Document Number	00M1140728
Date	Oct 21, 2020
Book Page	00M114/000728

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	999 SHADOWRIDGE DR, ELSMERE, KY 41018-4050
Document Number	0000000089
Instrument Date	Sep 14, 2019
Transaction Type	Mortgage
Record Updated	Oct 21, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	999 SHADOWRIDGE DR ELSMERE KY 410184050, ELSMERE, KY 41018-4050

Mortgage

Document Number	0000000089
Date	Sep 25, 2019
Book Page	0C6760/000131
Instrument	89

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2049

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
2026		$175,900 (-) Land $25,000 Building $150,900	$175,900 (-) Land $25,000 Building $150,900
2025	$2,671.00 (+1.33%)	$175,900 (-) Land $25,000 Building $150,900	$175,900 (-) Land $25,000 Building $150,900
2023	$2,636.00	$175,900 Land $25,000 Building $150,900	$175,900 Land $25,000 Building $150,900

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.

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