3099 Arbor Dr, Edgewood (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3099 Arbor Dr, Edgewood, KY 41017

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,649 sqft · built 1983
Lot Size	0.56 acres (24,394 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Mar 2008)
Tax Bill	$6,854 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015-40-03-055.00`

Property Details

APN / Parcel Number

Primary APN	`015-40-03-055.00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,649 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	24,394 sqft (0.56 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3099 ARBOR DR
City	EDGEWOOD
State	KY
Zip	41017-2359
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWELVE TREES SEC 5 LOT 86
Legal Subdivision	TWELVE TREES
Legal Phase	5
Legal Lot Number	86
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3030
Census Tract	64500

Owner

3099 Arbor Dr is owned and occupied by an individual who acquired it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3099 ARBOR DR, EDGEWOOD, KY 41017-2359
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
Oct 7, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BK
Sep 6, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2008 · Amount on File
Deed Sale	Mar 28, 2008 · Amount on File
Prior Sale	Jul 5, 2007 · Amount on File
Deed Document Number	200803 28 059 00250
Deed Book / Page	3677 / 122
Last Transfer Date	Aug 23, 2019
Transfer Doc	0005900062
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3099 ARBOR DR, EDGEWOOD, KY 41017-2359
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3099 ARBOR DR, EDGEWOOD, KY 41017-2359

Mortgage

Document Number	0005900125
Date	Oct 7, 2022
Book Page	413/251
Instrument	22100705900125

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 23, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3099 ARBOR DR, EDGEWOOD, KY 41017-2359
Document Number	00M1040530
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3099 ARBOR DR EDGEWOOD KY 410172359, EDGEWOOD, KY 41017-2359

Mortgage

Document Number	00M1040530
Date	Sep 29, 2020
Book Page	00M104/000530

Lender

Name	HEARTLAND BK
Type	Bank
Address	WHITEHALL, OH 43213

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 28, 2040

September 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Sep 6, 2019
Property Address	3099 ARBOR DR, EDGEWOOD, KY 41017-2359
Document Number	0000000062
Book / Page	0C6746 / 000266
Instrument Date	Aug 23, 2019
Instrument	62
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3099 ARBOR DR EDGEWOOD KY 410172359, EDGEWOOD, KY 41017-2359

Mortgage

Document Number	64
Date	Sep 6, 2019
Book Page	0C6746/000270
Instrument	64

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3099 Arbor Dr was $6,854.

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		$519,700 (-) Land $60,000 Building $459,700	$519,700 (-) Land $60,000 Building $459,700
2025	$6,854.00	$519,700 Land $60,000 Building $459,700	$519,700 Land $60,000 Building $459,700
2023	$6,750.00	$519,700 Land $60,000 Building $459,700	$519,700 Land $60,000 Building $459,700

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

Flood

FEMA maps place 3099 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 3099 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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