Kenton County property record for 3207 Spring Valley Dr, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 964 sqft · built 1978 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,677 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-10-05-031.00 |
| Primary APN | 017-10-05-031.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 3 Stories |
| Building Area | 964 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 115 ft deep x 83 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 3207 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 106 |
| Legal Subdivision | SPRING VALLEY |
| Legal Phase | 4 |
| Legal Lot Number | 106 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 63608 |
3207 Spring Valley Dr is owned and occupied by two individuals who acquired it in July 2021.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3207 SPRING VALLEY DR, ERLANGER, KY 41018-2823 |
| 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 30, 2020 | Warranty Deed, Transfer · FHA Mortgage GOLD FIN'L SVCS |
| Sep 24, 2020 | Deed of Trust, Mortgage · FHA Mortgage GOLD FIN'L SVCS |
| Apr 21, 2018 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2021 |
| Deed Sale | Jul 27, 2021 |
| Prior Sale | Sep 30, 2020 · Amount on File |
| Deed Document Number | 2021416 |
| Deed Book / Page | 107 / 178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 30, 2020 |
| Property Address | 3207 SPRING VALLEY DR, ERLANGER, KY 41018-2823 |
| Document Number | 0000000028 |
| Book / Page | 000046 / 000446 |
| Instrument Date | Sep 24, 2020 |
| Instrument | 28 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3207 SPRING VALLEY DR ERLANGER KY 410182823, ERLANGER, KY 41018-2823 |
| Document Number | 29 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 00M104/000708 |
| Instrument | 29 |
| Name | GOLD FIN'L SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | HOUSTON, TX 77036 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3207 SPRING VALLEY DR, ERLANGER, KY 41018-2823 |
| Document Number | 0000000029 |
| Instrument Date | Sep 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3207 SPRING VALLEY DR ERLANGER KY 410182823, ERLANGER, KY 41018-2823 |
| Document Number | 0000000029 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 00M104/000708 |
| Instrument | 29 |
| Name | GOLD FIN'L SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | HOUSTON, TX 77036 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3207 SPRING VALLEY DR, ERLANGER, KY 41018-2823 |
| Document Number | 0000000100 |
| Instrument Date | Apr 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3207 SPRING VALLEY DR ERLANGER KY 410182823, ERLANGER, KY 41018-2823 |
| Document Number | 0000000100 |
|---|---|
| Date | May 16, 2018 |
| Book Page | 0I4107/000001 |
| Instrument | 100 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 15, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3207 Spring Valley Dr was $1,677.
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 |
|---|---|---|---|
| 2026 | $169,300 (-) Land $25,000 Building $144,300 | $169,300 (-) Land $25,000 Building $144,300 | |
| 2025 | $1,677.00 | $169,300 Land $25,000 Building $144,300 | $169,300 Land $25,000 Building $144,300 |
| 2023 | $1,804.00 | $169,300 Land $25,000 Building $144,300 | $169,300 Land $25,000 Building $144,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3207 Spring Valley Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 3207 Spring Valley 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 | 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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