3092 Arbor Dr, Edgewood (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3092 Arbor Dr, Edgewood, KY 41017

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,352 sqft · built 1986
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jun 2012)
Tax Bill	$4,925 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`015-40-03-051.00`

Property Details

APN / Parcel Number

Primary APN	`015-40-03-051.00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,352 sqft Finished Area
Gross Area	3,119 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Basement
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	3092 ARBOR DR
City	EDGEWOOD
State	KY
Zip	41017-2374
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWELVE TREES SEC 5 LOT 81
Legal Subdivision	TWELVE TREES
Legal Phase	5
Legal Lot Number	81
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3030
Census Tract	64500

Owner

3092 Arbor Dr is owned and occupied by two individuals who bought it in June 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	3092 ARBOR DR, EDGEWOOD, KY 41017-2374
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK
Oct 25, 2017	Deed of Trust, Mortgage · Line of Credit CENTRAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2012 · Amount on File
Deed Sale	Jun 1, 2012 · Amount on File
Prior Sale	Jan 31, 2003 · Amount on File
Deed Document Number	201206 01 059 00180
Deed Book / Page	4856 / 172
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3092 ARBOR DR, EDGEWOOD, KY 41017-2374
Document Number	0000000032
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3092 ARBOR DR EDGEWOOD KY 410172374, EDGEWOOD, KY 41017-2374

Mortgage

Document Number	0000000032
Date	Aug 19, 2020
Book Page	000M84/000878
Instrument	32

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 18, 2040

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3092 ARBOR DR, EDGEWOOD, KY 41017-2374
Document Number	0000000191
Instrument Date	Oct 25, 2017
Transaction Type	Mortgage
Record Updated	Mar 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3092 ARBOR DR EDGEWOOD KY 410172374, EDGEWOOD, KY 41017-2374

Mortgage

Document Number	0000000191
Date	Oct 31, 2017
Book Page	0C6284/000163
Instrument	191

Lender

Name	CENTRAL BK
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 30, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3092 Arbor Dr was $4,925.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$373,400 (-) Land $60,000 Building $313,400	$373,400 (-) Land $60,000 Building $313,400
2025	$4,925.00	$373,400 Land $60,000 Building $313,400	$373,400 Land $60,000 Building $313,400
2023	$4,850.00	$373,400 Land $60,000 Building $313,400	$373,400 Land $60,000 Building $313,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3092 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

Wildfire risk around 3092 Arbor Dr is low, with less than 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 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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