T
Seller's Agent in 2026
The Treas Team
Huff Realty - Florence
(859) 525-5788
11 in this area
565 Total Sales
1119 Capitol Ave Elsmere, KY 41018
3
Beds
2
Baths
1,050
Sq Ft
0.44
Acres Lot
Highlights
- Pond View
- 0.44 Acre Lot
- Deck
- Waterfront
- Open Floorplan
- Traditional Architecture
About This Home
As of April 2026100 percent Financing Available Through KY Housing Corporation! This immaculate, move-in-ready lakefront home in Elsmere, KY offers a rare opportunity to own a private lake property perfect for fishing, relaxing, and enjoying nature right in your backyard. Situated on a quiet cul-de-sac with low traffic, this home delivers both privacy and convenience. Inside, you'll find an open floor plan with soaring cathedral ceilings, maintenance-free flooring, neutral décor, and ample natural light, creating a bright and inviting living space. The remodeled kitchen features granite countertops, stainless steel appliances, tiled backsplash, and a countertop bar, ideal for both everyday living and entertaining. The owner's suite offers a private, remodeled bath, while the guest bathroom features a custom tiled shower, adding a modern, high-quality touch. Additional upgrades include updated lighting and ceiling fans throughout. Outdoor living is the true highlight, with breathtaking lake views from the deck and back patio, a private sitting area by the water, and a poured hot tub pad ready for installation. Whether you're enjoying peaceful mornings by the lake or hosting guests, this property delivers a true waterfront lifestyle. Conveniently located near restaurants, grocery stores, and major commuting routes, this home combines low-maintenance living, scenic views, and exceptional financing options in one unique and highly desirable package.
Home Details
Home Type
- Single Family
Year Built
- Built in 1998
Lot Details
- 19,288 Sq Ft Lot
- Waterfront
- Land Lease
Parking
- Garage
- Oversized Parking
- Front Facing Garage
- Driveway
- On-Street Parking
- Off-Street Parking
Home Design
- Traditional Architecture
- Bi-Level Home
- Poured Concrete
- Shingle Roof
- Vinyl Siding
Interior Spaces
- Open Floorplan
- Cathedral Ceiling
- Ceiling Fan
- Recessed Lighting
- Chandelier
- Fireplace
- Vinyl Clad Windows
- Panel Doors
- Entryway
- Living Room
- Breakfast Room
- Storage
- Pond Views
Kitchen
- Eat-In Kitchen
- Electric Range
- Dishwasher
- Stainless Steel Appliances
- Granite Countertops
Flooring
- Carpet
- Laminate
Bedrooms and Bathrooms
- 3 Bedrooms
- En-Suite Bathroom
- Walk-In Closet
- 2 Full Bathrooms
Finished Basement
- Walk-Out Basement
- Basement Fills Entire Space Under The House
Outdoor Features
- Deck
- Patio
Schools
- Arnett Elementary School
- Tichenor Middle School
- Lloyd High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- Cable TV Available
Community Details
- No Home Owners Association
3D Interior and Exterior Tours
Floorplans
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Apr 8, 2026
Closed on
Apr 21, 2026
Sold by
Bought by
Seller's Agent
The Treas Team
Huff Realty - Florence
Buyer's Agent
Keith Bischoff
Huff Realty - CC
List Price
$275,000
Sold Price
$285,000
Premium/Discount to List
$10,000
3.64%
Views
45
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-20.36%
Purchase Details
Closed on
Mar 10, 2021
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$122,400
Interest Rate
2.8%
Mortgage Type
New Conventional
Purchase Details
Closed on
Feb 12, 2004
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$120,051
Interest Rate
5.63%
Mortgage Type
FHA
Purchase Details
Closed on
Jan 4, 1999
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$91,335
Interest Rate
6.87%
Mortgage Type
FHA
Purchase Details
Closed on
Jul 28, 1998
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$75,000
Interest Rate
7.02%
Mortgage Type
New Conventional
Purchase Details
Closed on
Oct 22, 1997
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$232,400
Interest Rate
7.55%
Mortgage Type
New Conventional
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Home Values in the Area
Average Home Value in this Area
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Deed | $285,000 | None Listed On Document | |
| Warranty Deed | $163,200 | Lawyers Ttl Of Cincinnati In | |
| Deed | $121,000 | Cambridge Land Title | |
| Deed | $97,935 | -- | |
| Deed | $18,500 | -- | |
| Deed | $265,600 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Previous Owner | $122,400 | New Conventional | |
| Previous Owner | $120,051 | FHA | |
| Previous Owner | $91,335 | FHA | |
| Previous Owner | $75,000 | New Conventional | |
| Previous Owner | $232,400 | New Conventional |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 04/21/2026 04/21/26 | Sold | $285,000 | +3.6% | $271 / Sq Ft |
| 04/09/2026 04/09/26 | Pending | -- | -- | -- |
| 04/08/2026 04/08/26 | For Sale | $275,000 | -- | $262 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $2,479 | $163,200 | $47,500 | $115,700 |
| 2024 | $2,505 | $163,200 | $47,500 | $115,700 |
| 2023 | $2,446 | $163,200 | $47,500 | $115,700 |
| 2022 | $2,708 | $163,200 | $20,000 | $143,200 |
| 2021 | $2,191 | $129,500 | $20,000 | $109,500 |
| 2020 | $2,179 | $129,500 | $20,000 | $109,500 |
| 2019 | $2,149 | $129,500 | $20,000 | $109,500 |
| 2018 | $2,120 | $125,000 | $20,000 | $105,000 |
| 2017 | $1,996 | $125,000 | $20,000 | $105,000 |
| 2015 | $2,355 | $125,000 | $20,000 | $105,000 |
| 2014 | $2,304 | $125,000 | $20,000 | $105,000 |
Source: Public Records
Agents Affiliated with this Home
-
The Treas Team
-
Keith Bischoff
Buyer's Agent in 2026
Keith Bischoff
Huff Realty - CC
(859) 760-1902
2 in this area
151 Total Sales
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 641311
APN: 016-10-00-005.72
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NKMLS. Real estate listings held by IDX Brokerage firms other than Ten-X are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about them includes the name of the listing Brokers.
Listing information is deemed reliable, but not guaranteed.
Copyright 2026 Northern Kentucky Multiple Listing Service, Inc. All rights reserved.
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