Kenton County property record for 3012 Charter Oak Rd, Edgewood, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,501 sqft · built 1971 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Jan 2023) |
| Tax Bill | $2,576 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage Nov 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 030-10-14-010.00 |
| Primary APN | 030-10-14-010.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,501 sqft Finished Area |
| Gross Area | 1,683 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 10,890 sqft (0.25 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3012 CHARTER OAK RD |
|---|---|
| City | EDGEWOOD |
| State | KY |
| Zip | 41017-3312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING WOODS EDGWD GREATER PT LOT 26 SEC 5 & REAR PT 25 |
| Legal Subdivision | WHISPERING WOODS (EDGEWOOD) |
| Legal Phase | 5 |
| Legal Lot Number | 25,26 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 65501 |
3012 Charter Oak Rd is owned and occupied by an individual who bought it in January 2023.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3012 CHARTER OAK RD, EDGEWOOD, KY 41017-3312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Nov 2, 2021 | Warranty Deed, Transfer |
| Nov 20, 2017 | Grant Deed, Transfer HOMESTEAD TITLE AGENCY LIMITED |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2023 · Amount on File |
| Deed Sale | Jan 3, 2023 · Amount on File |
| Prior Sale | Nov 2, 2021 · Amount on File |
| Deed Document Number | 202340 |
| Deed Book / Page | 207 / 394 |
| Prior Transfer Date | Dec 21, 2022 |
| Prior Transfer Doc | 0005900040 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 3, 2023 |
| Property Address | 3012 CHARTER OAK RD, EDGEWOOD, KY 41017-3312 |
| Document Number | 0005900040 |
| Book / Page | 207 / 394 |
| Map Reference | PL 1006 |
| Instrument Date | Dec 21, 2022 |
| Instrument | 23010305900040 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2023 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 768 DUDLEY PIKE, EDGEWOOD, KY 41017-9617 |
| Name | Verified Name |
|---|---|
| Address | 768 DUDLEY PIKE, EDGEWOOD, KY 41017-9617 |
| Document Number | 0005900068 |
|---|---|
| Date | Jan 3, 2023 |
| Instrument | 23010305900068 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jan 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 10% |
| Index | 1-Year T-Bill |
| Max Rate | 10% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 2, 2021 |
| Property Address | 3012 CHARTER OAK RD, EDGEWOOD, KY 41017-3312 |
| Document Number | 0005900048 |
| Book / Page | 128 / 245 |
| Map Reference | PL 1006 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 21110205900048 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $180.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3045 BROOKWOOD CIR, 3045, EDGEWOOD, KY 41017-3272 |
| Name | Verified Name |
|---|---|
| Address | 768 DUDLEY PIKE, EDGEWOOD, KY 41017-9617 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 20, 2017 |
| Property Address | 3012 CHARTER OAK RD, EDGEWOOD, KY 41017-3312 |
| Document Number | 0000000012 |
| Book / Page | 0C6297 / 000114 |
| Instrument Date | Nov 14, 2017 |
| Instrument | 12 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2017 |
| Title Company | HOMESTEAD TITLE AGENCY LIMITED |
| Amount | Amount on Record |
|---|---|
| Tax | $130.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3045 BROOKWOOD CIR EDGEWOOD KY 410173272, EDGEWOOD, KY 41017-3272 |
The 2025 property tax bill for 3012 Charter Oak Rd was $2,576.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Edgewood City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $260,000 (-) Land $50,000 Building $210,000 | $260,000 (-) Land $50,000 Building $210,000 | |
| 2025 | $2,576.00 | $260,000 Land $50,000 Building $210,000 | $260,000 Land $50,000 Building $210,000 |
| 2023 | $2,771.00 | $260,000 Land $50,000 Building $210,000 | $260,000 Land $50,000 Building $210,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3012 Charter Oak Rd in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 3012 Charter Oak Rd is low, with a 0.01% annual chance of 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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 255 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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