Kenton County property record for 3205 Spring Valley Dr, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,682 sqft · built 1978 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Nov 2018) |
| Tax Bill | $2,248 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-10-05-030.00 |
| Primary APN | 017-10-05-030.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,682 sqft Finished Area |
| Gross Area | 2,144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 115 ft deep x 70 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 3205 SPRING VALLEY DR |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-2823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING VALLEY SEC 4 LOT 105 |
| Legal Subdivision | SPRING VALLEY |
| Legal Phase | 4 |
| Legal Lot Number | 105 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 63608 |
Source: Kenton County records, as of May 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3205 SPRING VALLEY DR, ERLANGER, KY 41018-2823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 6, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Oct 15, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Nov 13, 2018 | Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS |
| Jul 20, 2018 | Warranty Deed, Transfer · Conventional Mortgage VICTORY CMNTY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 13, 2018 · Amount on Record |
| Deed Sale | Nov 13, 2018 · Amount on Record |
| Prior Sale | Jul 20, 2018 · Amount on Record |
| Deed Document Number | 201811 13 059 00258 |
| Deed Book / Page | 4192 / 162 |
| Prior Transfer Date | May 1, 2015 |
| Prior Transfer Doc | 0005900123 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3205 SPRING VALLEY DR, ERLANGER, KY 41018-2823 |
| Document Number | 0000000041 |
| Instrument Date | Nov 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2021 |
| Title Company | IVY POINTE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 3205 SPRING VALLEY DR ERLANGER KY 410182823, ERLANGER, KY 41018-2823 |
| Document Number | 0000000041 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 00M144/000465 |
| Instrument | 41 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 21, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3205 SPRING VALLEY DR, ERLANGER, KY 41018-2823 |
| Document Number | 0000000155 |
| Instrument Date | Oct 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2019 |
| Title Company | IVY POINTE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 3205 SPRING VALLEY DR ERLANGER KY 410182823, ERLANGER, KY 41018-2823 |
| Document Number | 0000000155 |
|---|---|
| Date | Nov 12, 2019 |
| Book Page | 0I4359/000101 |
| Instrument | 155 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 13, 2018 |
| Property Address | 3205 SPRING VALLEY DR, ERLANGER, KY 41018-2823 |
| Document Number | 0000000258 |
| Book / Page | 004192 / 000162 |
| Instrument Date | Nov 6, 2018 |
| Instrument | 258 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2018 |
| Title Company | IVY POINTE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $175.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3205 SPRING VALLEY DR ERLANGER KY 410182823, ERLANGER, KY 41018-2823 |
| Document Number | 260 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 0I4192/000165 |
| Instrument | 260 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 12, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 20, 2018 |
| Property Address | 3205 SPRING VALLEY DR, ERLANGER, KY 41018-2823 |
| Document Number | 0000000045 |
| Book / Page | 0I4135 / 000320 |
| Instrument Date | Jul 13, 2018 |
| Instrument | 45 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2018 |
| Title Company | HOMESTEAD TITLE AGENCY LIMITED |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3205 SPRING VALLEY DR ERLANGER KY 410182823, ERLANGER, KY 41018-2823 |
| Document Number | 48 |
|---|---|
| Date | Jul 20, 2018 |
| Book Page | 0I4135/000323 |
| Instrument | 48 |
| Name | VICTORY CMNTY BK |
|---|---|
| Type | Bank |
| Address | FORT MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 19, 2048 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Erlanger City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,248.00 (-7.03%) | $226,900 (-) Land $25,000 Building $201,900 | $226,900 (-) Land $25,000 Building $201,900 |
| 2023 | $2,418.00 | $226,900 Land $25,000 Building $201,900 | $226,900 Land $25,000 Building $201,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 404 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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