3089 Arbor Dr, Edgewood (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3089 Arbor Dr, Edgewood, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,116 sqft · built 1991
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$455,000 (Sep 2022)
Tax Bill	$6,001 (2025)
Deeds & Mortgages	Jul 2026 Transfer Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015-40-05-001.00`

Property Details

APN / Parcel Number

Primary APN	`015-40-05-001.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,116 sqft Finished Area
Gross Area	4,143 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	100 ft deep x 110 ft wide
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	3089 ARBOR DR
City	EDGEWOOD
State	KY
Zip	41017-2358
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWELVE TREES SEC 3 LOT 71
Legal Subdivision	TWELVE TREES
Legal Phase	3
Legal Lot Number	71
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3023
Census Tract	64500

Owner

Source: Kenton County records, as of August 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3089 ARBOR DR, EDGEWOOD, KY 41017-2358
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Feb 23, 2019	Loan Modification, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2022 · Amount on Record
Deed Sale	Sep 12, 2022 · Amount on Record
Deed Document Number	202245
Deed Book / Page	189 / 350
Last Transfer Date	Jul 23, 2026
Transfer Doc	0000016461
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jul 29, 2026
Property Address	3089 ARBOR DR, EDGEWOOD, KY 41017-2358
Document Number	0000016461
Book / Page	468 / 54
Instrument Date	Jul 23, 2026
Instrument	202616461
Transaction Type	Transfer
Record Updated	Aug 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3089 ARBOR DR, EDGEWOOD, KY 41017-2358

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3089 ARBOR DR, EDGEWOOD, KY 41017-2358
Transaction Type	Mortgage
Record Updated	Sep 27, 2022
Title Company	AGILITY CLOSING & TTL SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900046
Date	Sep 12, 2022
Book Page	405/743
Instrument	22091205900046

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	3089 ARBOR DR, EDGEWOOD, KY 41017-2358
Document Number	0000000086
Instrument Date	Feb 23, 2019
Transaction Type	Mortgage
Record Updated	Apr 12, 2019
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3089 ARBOR DR EDGEWOOD KY 410172358, EDGEWOOD, KY 41017-2358

Mortgage

Document Number	0000000086
Date	Mar 29, 2019
Book Page	0C6628/000045
Instrument	86

Lender

Name	US BK
Type	Bank
Address	COVINGTON, KY 41011

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2049

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	Erlanger-Elsmere Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,001.00 (+1.54%)	$455,000 (-) Land $70,000 Building $385,000	$455,000 (-) Land $70,000 Building $385,000
2023	$5,910.00	$455,000 Land $60,000 Building $395,000	$455,000 Land $60,000 Building $395,000

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 92% 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.

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 417 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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