3281 Hemlock Dr, Edgewood (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3281 Hemlock Dr, Edgewood, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,530 sqft · built 1975
Lot Size	1.23 acres (53,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Apr 2017)
Tax Bill	$2,973 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030-40-00-011.00`

Property Details

APN / Parcel Number

Primary APN	`030-40-00-011.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,530 sqft Finished Area
Gross Area	2,302 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	53,971 sqft (1.23 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	3281 HEMLOCK DR
City	EDGEWOOD
State	KY
Zip	41017-3321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.239 ACS NS HEMLOCK DR (DEED STATES 1.527 AC +,- BUT PLOTS TO ABOVE)
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
Census Tract	65502

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 Record	2 Individual Names on Record
Mailing Address	3281 HEMLOCK DR, EDGEWOOD, KY 41017-3321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 11, 2017	Grant Deed, Subdivision Related Transfer · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2017 · Amount on Record
Deed Sale	Apr 11, 2017 · Amount on Record
Prior Sale	Oct 20, 2016 · Amount on Record
Deed Document Number	201704 11 059 00113
Deed Book / Page	3923 / 274
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3281 HEMLOCK RD, EDGEWOOD, KY 41017-3321
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900315
Date	Dec 27, 2021
Book Page	317/794
Instrument	21122705900315

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

April 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 11, 2017
Property Address	3281 HEMLOCK RD, EDGEWOOD, KY 41017-3321
Document Number	0000000113
Book / Page	0I3923 / 000274
Instrument Date	Apr 10, 2017
Instrument	113
Transaction Type	Subdivision Related Transfer
Record Updated	May 18, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3281 HEMLOCK RD EDGEWOOD KY 410173321, EDGEWOOD, KY 41017-3321

Mortgage

Document Number	114
Date	Apr 11, 2017
Book Page	0I3923/000277
Instrument	114

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2047

Tax Assessment & Valuation

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		$300,000 (-) Land $95,000 Building $205,000	$300,000 (-) Land $95,000 Building $205,000
2025	$2,973.00 (-7.04%)	$300,000 (-) Land $95,000 Building $205,000	$300,000 (-) Land $95,000 Building $205,000
2023	$3,198.00	$300,000 Land $60,000 Building $240,000	$300,000 Land $60,000 Building $240,000

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1996)
Most Recent Claim	Jun 1996 · rainfall accumulation

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 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.

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 282 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

Cell Coverage

5G (outdoors only) and 4G LTE

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