3122 Bernard Dr, Edgewood (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3122 Bernard Dr, Edgewood, KY 41017

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,182 sqft · built 1960
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Apr 2014)
Tax Bill	$2,907 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`016-30-13-002.00`

Property Details

APN / Parcel Number

Primary APN	`016-30-13-002.00`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	4 Stories
Building Area	2,182 sqft Finished Area
Gross Area	2,640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	22,651 sqft (0.52 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	3122 BERNARD DR
City	EDGEWOOD
State	KY
Zip	41017-2604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST PIUS HGTS SEC 1 LOT 25 & SEC 2 LOT 25A
Legal Subdivision	ST PIUS HEIGHTS
Legal Phase	1&2
Legal Lot Number	25A,25
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1003
Census Tract	65501

Owner

3122 Bernard Dr is owned and occupied by two individuals who bought it in April 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	3122 BERNARD DR, EDGEWOOD, KY 41017-2604
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
Apr 8, 2019	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK
Oct 26, 2018	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2014 · Amount on File
Deed Sale	Apr 2, 2014 · Amount on File
Deed Document Number	201404 02 059 00056
Deed Book / Page	5385 / 214
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3122 BERNARD DR, EDGEWOOD, KY 41017-2604
Document Number	0000000052
Instrument Date	Apr 8, 2019
Transaction Type	Mortgage
Record Updated	Apr 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3227 POKE AWAY LN EDGEWOOD KY 410172639, EDGEWOOD, KY 41017-2639

Mortgage

Document Number	0000000052
Date	Apr 16, 2019
Book Page	0C6639/000318
Instrument	52

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2049

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3122 BERNARD DR, EDGEWOOD, KY 41017-2604
Document Number	0000000090
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 7, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3227 POKE AWAY LN EDGEWOOD KY 410172639, EDGEWOOD, KY 41017-2639

Mortgage

Document Number	0000000090
Date	Nov 20, 2018
Book Page	0C6548/000312
Instrument	90

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3122 Bernard Dr was $2,907.

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Edgewood City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$293,400 (-) Land $50,000 Building $243,400	$293,400 (-) Land $50,000 Building $243,400
2025	$2,907.00	$293,400 Land $50,000 Building $243,400	$293,400 Land $50,000 Building $243,400
2023	$1,700.00	$159,500 Land $50,000 Building $109,500	$159,500 Land $50,000 Building $109,500

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

Flood

FEMA maps place 3122 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

Wildfire risk around 3122 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	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 231 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bernard Dr

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