3094 Arbor Dr, Edgewood (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3094 Arbor Dr, Edgewood, KY 41017

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,275 sqft · built 1986
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Sep 2015)
Tax Bill	$6,199 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`015-40-03-052.00`

Property Details

APN / Parcel Number

Primary APN	`015-40-03-052.00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,275 sqft Finished Area
Gross Area	4,363 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	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	3094 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 82 PLUS 55B SEC 6 WOODLAND
Legal Subdivision	TWELVE TREES
Legal Phase	5,6
Legal Lot Number	55,82
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3030
Census Tract	64500

Owner

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	3094 ARBOR DR, EDGEWOOD, KY 41017-2374
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2020	Deed of Trust, Mortgage · Conventional with PMI NATIONS RELIABLE LNDG
Jul 2, 2019	Deed of Trust, Mortgage · Conventional with PMI NATIONS RELIABLE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2015 · Amount on Record
Deed Sale	Sep 17, 2015 · Amount on Record
Prior Sale	Jul 15, 2002 · Amount on Record
Deed Document Number	201509 17 059 00092
Deed Book / Page	5736 / 232
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3094 ARBOR DR, EDGEWOOD, KY 41017-2374
Document Number	0000000318
Instrument Date	Jun 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	PRIORITY NATIONAL TITLE SERVICES, PRIORITY NAT'L TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3094 ARBOR DR EDGEWOOD KY 410172374, EDGEWOOD, KY 41017-2374

Mortgage

Document Number	0000000318
Date	Jun 23, 2020
Book Page	000M62/000001
Instrument	318

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3094 ARBOR DR, EDGEWOOD, KY 41017-2374
Document Number	0000000170
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	PRIORITY NATIONAL TITLE SERVICES, PRIORITY NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3094 ARBOR DR EDGEWOOD KY 410172374, EDGEWOOD, KY 41017-2374

Mortgage

Document Number	0000000170
Date	Jul 11, 2019
Book Page	0C6702/000092
Instrument	170

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77098

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2049

Tax Assessment & Valuation

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		$470,000 (-) Land $60,000 Building $410,000	$470,000 (-) Land $60,000 Building $410,000
2025	$6,199.00 (+1.54%)	$470,000 (-) Land $60,000 Building $410,000	$470,000 (-) Land $60,000 Building $410,000
2023	$6,105.00	$470,000 Land $60,000 Building $410,000	$470,000 Land $60,000 Building $410,000

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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