Kenton County property record for 3051 Arbor Dr, Edgewood, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,696 sqft · built 1968 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Jul 2004) |
| Tax Bill | $4,165 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Dec 2018 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-40-03-031.00 |
| Primary APN | 015-40-03-031.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,696 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3051 ARBOR DR |
|---|---|
| City | EDGEWOOD |
| State | KY |
| Zip | 41017-2311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TWELVE TREES SEC 1 LOT 20 |
| Legal Subdivision | TWELVE TREES |
| Legal Phase | 1 |
| Legal Lot Number | 20 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 64500 |
3051 Arbor Dr is owned and occupied by an individual who bought it in July 2004.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3051 ARBOR DR, EDGEWOOD, KY 41017-2311 |
| 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 |
|---|---|
| Dec 28, 2023 | Deed of Trust, Mortgage · Line of Credit L&N FCU |
| Dec 3, 2018 | Deed of Trust, Mortgage · Line of Credit L&N FCU |
| Nov 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage L&N FCU |
| Oct 22, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Oct 16, 2017 | Deed of Trust, Mortgage · Line of Credit L&N FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2004 · Amount on File |
| Deed Sale | Jul 2, 2004 · Amount on File |
| Prior Sale | Apr 19, 2004 · Amount on File |
| Deed Document Number | 200407 02 059 00393 |
| Deed Book / Page | 2241 / 205 |
| Prior Transfer Date | Apr 30, 2004 |
| Prior Transfer Doc | 0510059001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3051 ARBOR DR, EDGEWOOD, KY 41017-2311 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Name | Verified Name |
|---|
| Document Number | 0005900131 |
|---|---|
| Date | Dec 28, 2023 |
| Book Page | KCM 517/43 |
| Instrument | 23122805900131 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 27, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3051 ARBOR DR, EDGEWOOD, KY 41017-2311 |
| Document Number | 0000000097 |
| Instrument Date | Dec 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3051 ARBOR DR EDGEWOOD KY 410172311, EDGEWOOD, KY 41017-2311 |
| Document Number | 0000000097 |
|---|---|
| Date | Dec 17, 2018 |
| Book Page | 006564/000244 |
| Instrument | 97 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 16, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3051 ARBOR DR, EDGEWOOD, KY 41017-2311 |
| Document Number | 0000000162 |
| Instrument Date | Nov 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2019 |
| Title Company | MATTINGLY-FORD TITLE SERVICES, MATTINGLY-FORD TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 3051 ARBOR DR EDGEWOOD KY 410172311, EDGEWOOD, KY 41017-2311 |
| Document Number | 0000000162 |
|---|---|
| Date | Dec 20, 2018 |
| Book Page | 0C6568/000183 |
| Instrument | 162 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 19, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 22, 2018 |
| Property Address | 3051 ARBOR DR, EDGEWOOD, KY 41017-2311 |
| Document Number | 0000000142 |
| Book / Page | 0C6528 / 000217 |
| Instrument Date | Oct 1, 2018 |
| Instrument | 142 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3051 ARBOR DR EDGEWOOD KY 410172311, EDGEWOOD, KY 41017-2311 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3051 ARBOR DR, EDGEWOOD, KY 41017-2311 |
| Document Number | 0000000093 |
| Book / Page | 0C6281 / 000303 |
| Instrument Date | Oct 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2017 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 3051 ARBOR DR EDGEWOOD KY 410172311, EDGEWOOD, KY 41017-2311 |
| Document Number | 0000000093 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 0C6281/000303 |
| Instrument | 93 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | 9203 SMYRNA PKWY, LOUISVILLE, KY 40229-1415 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3051 Arbor Dr was $4,165.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Edgewood City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $315,800 (-) Land $70,000 Building $245,800 | $315,800 (-) Land $70,000 Building $245,800 | |
| 2025 | $4,165.00 | $315,800 Land $70,000 Building $245,800 | $315,800 Land $70,000 Building $245,800 |
| 2023 | $3,429.00 | $264,000 Land $60,000 Building $204,000 | $264,000 Land $60,000 Building $204,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3051 Arbor Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
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 |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2022 · rainfall accumulation |
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 3051 Arbor Dr 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 | None beyond 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 300 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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