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3121 Bernard Dr, Edgewood (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3121 Bernard Dr, Edgewood, KY 41017

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,042 sqft · built 1962
Lot Size0.34 acres (14,810 sqft)
Owner2 Individual Names on Record
Last Sale$157,000 (Sep 2010)
Tax Bill$2,609 (2025)
Deeds & MortgagesJul 2021 Line of Credit
Apr 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN016-30-13-012.00

Property Details

APN / Parcel Number

Primary APN016-30-13-012.00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,042 sqft Finished Area
Gross Area2,570 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 1962
Exterior MaterialBrick
Foundation TypeConcrete
Lot Area14,810 sqft (0.34 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address3121 BERNARD DR
CityEDGEWOOD
StateKY
Zip41017-2603
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST PIUS HGTS SEC 1 LOT 26
Legal SubdivisionST PIUS HEIGHTS
Legal Phase1
Legal Lot Number26
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1003
Census Tract65501

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 Record2 Individual Names on Record
Mailing Address3121 BERNARD DR, EDGEWOOD, KY 41017-2603
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 29, 2021Deed of Trust, Mortgage · Line of Credit
US BANK NA
Apr 15, 2021Deed of Trust, Mortgage · Conventional Mortgage
US BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 7, 2010 · Amount on Record
Deed SaleSep 7, 2010 · Amount on Record
Deed Document Number201009 07 059 00337
Deed Book / Page4379 / 36
Record UpdatedOct 29, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3121 BERNARD DR, EDGEWOOD, KY 41017-2603
Transaction TypeMortgage
Record UpdatedAug 10, 2021
Title CompanyRADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address3121 BERNARD DR, EDGEWOOD, KY 41017-2603

Mortgage

Document Number0005900186
DateJul 29, 2021
Book Page249/737
Instrument21072905900186
Lender
NameUS BANK NA
TypeBank
AddressCINCINNATI, OH 45202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueJun 1, 2051
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3121 BERNARD DR, EDGEWOOD, KY 41017-2603
Transaction TypeMortgage
Record UpdatedApr 28, 2021
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900093
DateApr 15, 2021
Book Page201/668
Instrument21041505900093
Lender
NameUS BANK NA
TypeBank
AddressOWENSBORO, KY 42301
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueMay 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityEdgewood City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$312,400 (-) Land $50,000 Building $262,400$312,400 (-) Land $50,000 Building $262,400
2025$2,609.00 (+41.03%) Homeowner's exemption$312,400 (+42%) Land $50,000 Building $262,400$312,400 (+42%) Land $50,000 Building $262,400
2023$1,850.00 Homeowner's exemption$220,000 Land $50,000 Building $170,000$220,000 Land $50,000 Building $170,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 384 locations within half a mile, as of December 31, 2025

ProviderMax 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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