Kenton County property record for 3076 Arbor Dr, Edgewood, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,264 sqft · built 1971 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $345,000 (Sep 2018) |
| Tax Bill | $3,902 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Oct 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-40-03-044.00 |
| Primary APN | 015-40-03-044.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,264 sqft Finished Area |
| Gross Area | 3,024 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 18,295 sqft (0.42 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3076 ARBOR DR |
|---|---|
| City | EDGEWOOD |
| State | KY |
| Zip | 41017-2355 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TWELVE TREES SEC 2 LOT 38 & 25' LOT 39 |
| Legal Subdivision | TWELVE TREES |
| Legal Phase | 2 |
| Legal Lot Number | 38,39 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 64500 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3076 ARBOR DR, EDGEWOOD, KY 41017-2355 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Oct 25, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Sep 4, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2018 · Amount on Record |
| Deed Sale | Sep 4, 2018 · Amount on Record |
| Prior Sale | Jun 21, 1996 · Amount on Record |
| Deed Document Number | 201809 04 059 00222 |
| Deed Book / Page | 6493 / 9 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3076 ARBOR DR, EDGEWOOD, KY 41017-2355 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 6076 ARBOR DR, EDGEWOOD, KY 41017 |
| Document Number | 0005900186 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 303/420 |
| Instrument | 21111805900186 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Oct 28, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3076 ARBOR DR, EDGEWOOD, KY 41017-2355 |
| Document Number | 0000000200 |
| Instrument Date | Oct 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3076 ARBOR DR EDGEWOOD KY 410172355, EDGEWOOD, KY 41017-2355 |
| Document Number | 0000000200 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 0C6803/000248 |
| Instrument | 200 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 17, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 4, 2018 |
| Property Address | 3076 ARBOR DR, EDGEWOOD, KY 41017-2355 |
| Document Number | 0000000222 |
| Book / Page | 0C6493 / 000009 |
| Instrument Date | Aug 28, 2018 |
| Instrument | 222 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2018 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $345.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3076 ARBOR DR EDGEWOOD KY 410172355, EDGEWOOD, KY 41017-2355 |
| Document Number | 226 |
|---|---|
| Date | Sep 4, 2018 |
| Book Page | 0C6493/000050 |
| Instrument | 226 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 3, 2033 |
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 | $345,000 (-) Land $70,000 Building $275,000 | $345,000 (-) Land $70,000 Building $275,000 | |
| 2025 | $3,902.00 (+0.62%) Homeowner's exemption | $345,000 (-) Land $70,000 Building $275,000 | $345,000 (-) Land $70,000 Building $275,000 |
| 2023 | $3,878.00 Homeowner's exemption | $345,000 Land $60,000 Building $285,000 | $345,000 Land $60,000 Building $285,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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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