Kenton County property record for 31 Swarthmore Dr, Edgewood, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,972 sqft · built 2004 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $700,000 (Sep 2022) |
| Tax Bill | $9,233 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-40-14-033.00 |
| Primary APN | 015-40-14-033.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,972 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 21,344 sqft (0.49 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 31 SWARTHMORE DR |
|---|---|
| City | EDGEWOOD |
| State | KY |
| Zip | 41017-4309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ASHLEY WOODS SEC 2 LOT 33 |
| Legal Subdivision | ASHLEY WOODS |
| Legal Phase | 2 |
| Legal Lot Number | 33 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 64500 |
31 Swarthmore Dr is owned and occupied by two individuals who bought it in September 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 31 SWARTHMORE DR, EDGEWOOD, KY 41017-4309 |
| 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.
| Date | Document |
|---|---|
| Sep 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jul 20, 2021 | Deed of Trust, Mortgage UNION SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2022 · Amount on File |
| Deed Sale | Sep 1, 2022 · Amount on File |
| Prior Sale | Oct 6, 2003 · Amount on File |
| Deed Document Number | 2022204 |
| Deed Book / Page | 187 / 694 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 1, 2022 |
| Property Address | 31 SWARTHMORE DR, EDGEWOOD, KY 41017-4309 |
| Document Number | 0005900204 |
| Book / Page | 187 / 694 |
| Map Reference | SL 1929&1929A |
| Instrument Date | Aug 30, 2022 |
| Instrument | 22090105900204 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2022 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13026 BARBARO DR, 13026, UNION, KY 41091-1490 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 31 SWARTHMORE DR, EDGEWOOD, KY 41017-4309 |
| Document Number | 0005900205 |
|---|---|
| Date | Sep 1, 2022 |
| Instrument | 22090105900205 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 31 SWARTHMORE DR, EDGEWOOD, KY 41017-4309 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900400 |
|---|---|
| Date | Jul 20, 2021 |
| Book Page | 245/79 |
| Instrument | 21072005900400 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Aug 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.25% |
| Index | 1-Year CMT |
| Max Rate | 9.25% |
The 2025 property tax bill for 31 Swarthmore Dr was $9,233.
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 | $700,000 (-) Land $125,000 Building $575,000 | $700,000 (-) Land $125,000 Building $575,000 | |
| 2025 | $9,233.00 | $700,000 Land $125,000 Building $575,000 | $700,000 Land $125,000 Building $575,000 |
| 2023 | $9,093.00 | $700,000 Land $125,000 Building $575,000 | $700,000 Land $125,000 Building $575,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Swarthmore 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 risk around 31 Swarthmore 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 98% of the US · lower than 98.2% 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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