Kenton County property record for 3105 Bernard Dr, Edgewood, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,340 sqft · built 1962 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Feb 2014) |
| Tax Bill | $2,301 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Oct 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 030-10-02-003.00 |
| Primary APN | 030-10-02-003.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,340 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3105 BERNARD DR |
|---|---|
| City | EDGEWOOD |
| State | KY |
| Zip | 41017-2603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST PIUS HGTS SEC 1 LOT 18 |
| Legal Subdivision | ST PIUS HEIGHTS |
| Legal Phase | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 65501 |
3105 Bernard Dr is owned and occupied by an individual who acquired it in October 2018.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3105 BERNARD DR, EDGEWOOD, KY 41017-2603 |
| 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 |
|---|---|
| May 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BAYSHORE MORTGAGE FUNDING LLC |
| Oct 24, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Oct 16, 2018 | Quit Claim Deed, Transfer · Line of Credit HERITAGE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 2014 · Amount on File |
| Deed Sale | Feb 6, 2014 · Amount on File |
| Prior Sale | Nov 3, 2005 · Amount on File |
| Deed Document Number | 201402 06 059 00163 |
| Deed Book / Page | 5354 / 84 |
| Last Transfer Date | Oct 10, 2018 |
| Transfer Doc | 0000000084 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3105 BERNARD DR, EDGEWOOD, KY 41017-2603 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2021 |
| Title Company | NOT AVAILABLE, MBT |
| Name | Verified Name |
|---|
| Document Number | 0005900192 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 220/762 |
| Instrument | 21052605900192 |
| Name | BAYSHORE MORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LUTHERVILLE TIMONIUM, MD 21093 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 24, 2019 |
| Property Address | 3105 BERNARD DR, EDGEWOOD, KY 41017-2603 |
| Document Number | 0000000058 |
| Book / Page | 0C6787 / 000009 |
| Instrument Date | Oct 14, 2019 |
| Instrument | 58 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3105 BERNARD DR EDGEWOOD KY 410172603, EDGEWOOD, KY 41017-2603 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 16, 2018 |
| Property Address | 3105 BERNARD DR, EDGEWOOD, KY 41017-2603 |
| Document Number | 0000000084 |
| Book / Page | 0C6524 / 000084 |
| Instrument Date | Oct 10, 2018 |
| Instrument | 84 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2018 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3105 BERNARD DR EDGEWOOD KY 410172603, EDGEWOOD, KY 41017-2603 |
| Document Number | 85 |
|---|---|
| Date | Oct 16, 2018 |
| Book Page | 0C6524/000087 |
| Instrument | 85 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | ERLANGER, KY 41018 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 15, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3105 Bernard Dr was $2,301.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Edgewood City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $232,200 (-) Land $50,000 Building $182,200 | $232,200 (-) Land $50,000 Building $182,200 | |
| 2025 | $2,301.00 | $232,200 Land $50,000 Building $182,200 | $232,200 Land $50,000 Building $182,200 |
| 2023 | $1,817.00 | $170,500 Land $50,000 Building $120,500 | $170,500 Land $50,000 Building $120,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3105 Bernard Dr in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 3105 Bernard Dr is low, with 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 384 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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