3004 Bernard Dr, Edgewood (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3004 Bernard Dr, Edgewood, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,293 sqft · built 1965
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$375,100 (May 2026)
Tax Bill	$2,548 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`029-20-02-001.00`

Property Details

APN / Parcel Number

Primary APN	`029-20-02-001.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,293 sqft Finished Area
Gross Area	2,887 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Attached
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	3004 BERNARD DR
City	EDGEWOOD
State	KY
Zip	41017-2602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST PIUS HGTS SEC 1 LOT 1 .48 ACS NWC DUDLEY & BERNARD
Legal Subdivision	ST PIUS HEIGHTS
Legal Phase	1
Legal Lot Number	1
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1003
Census Tract	65501

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3004 BERNARD DR, EDGEWOOD, KY 41017-2602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Deed Document Number	202605139910
Deed Book / Page	430 / 383
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 13, 2026
Property Address	3004 BERNARD DR, EDGEWOOD, KY 41017-2602
Document Number	0000009910
Book / Page	430 / 383
Instrument Date	May 8, 2026
Instrument	20269910
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,885.10
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	3004 BERNARD DR, EDGEWOOD, KY 41017-2602

Mortgage

Document Number	0000009911,
Date	May 13, 2026
Instrument	202605139911

Lender

Name	STATE BANK AND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Edgewood City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$306,300 (-) Land $50,000 Building $256,300	$306,300 (-) Land $50,000 Building $256,300
2025	$2,548.00 (+18.9%) Homeowner's exemption	$306,300 (+23.76%) Land $50,000 Building $256,300	$306,300 (+23.76%) Land $50,000 Building $256,300
2023	$2,143.00 Homeowner's exemption	$247,500 Land $50,000 Building $197,500	$247,500 Land $50,000 Building $197,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	Direct burnable vegetation

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 59 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20