Kenton County property record for 3409 Spring Valley Dr, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 972 sqft · built 1975 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $112,000 (Apr 2008) |
| Tax Bill | $1,655 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Feb 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-30-02-006.00 |
| Primary APN | 017-30-02-006.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 3 Stories |
| Building Area | 972 sqft Finished Area |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 3409 SPRING VALLEY DR |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-2827 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING VALLEY SEC 2 LOT 39 |
| Legal Subdivision | SPRING VALLEY |
| Legal Phase | 2 |
| Legal Lot Number | 39 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 63608 |
3409 Spring Valley Dr is owned and occupied by two individuals who bought it in April 2008.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3409 SPRING VALLEY DR, ERLANGER, KY 41018-2827 |
| 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 |
|---|---|
| Aug 7, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMONWEALTH BANK |
| Feb 22, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST COMMONWEALTH BANK |
| Feb 17, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMONWEALTH BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2008 · Amount on File |
| Deed Sale | Apr 30, 2008 · Amount on File |
| Prior Sale | Nov 5, 2007 · Amount on File |
| Deed Document Number | 200804 30 059 00230 |
| Deed Book / Page | 2313 / 171 |
| Prior Transfer Date | Nov 4, 2004 |
| Prior Transfer Doc | 1115059003 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3409 SPRING VALLEY DR, ERLANGER, KY 41018-2827 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3409 SPRING VALLEY DR, ELSMERE, KY 41018-2827 |
| Document Number | 0005900191 |
|---|---|
| Date | Aug 7, 2023 |
| Book Page | KCM 482/573 |
| Instrument | 23080705900191 |
| Name | FIRST COMMONWEALTH BANK |
|---|---|
| Type | Bank |
| Address | HAMTRAMCK, MI 48212 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 5, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3409 SPRING VALLEY DR, ERLANGER, KY 41018-2827 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3409 SPRING VALLEY DR, EDGEWOOD, KY 41018-2827 |
| Document Number | 0005900090 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 170/914 |
| Instrument | 21022205900090 |
| Name | FIRST COMMONWEALTH BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45212 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 29, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3409 SPRING VALLEY DR, ERLANGER, KY 41018-2827 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3409 SPRING VALLEY DR, ERLANGER, KY 41018-2827 |
| Document Number | 0005900033 |
|---|---|
| Date | Feb 17, 2021 |
| Book Page | 167/965 |
| Instrument | 21021705900033 |
| Name | FIRST COMMONWEALTH BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45212 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 10, 2031 |
The 2025 property tax bill for 3409 Spring Valley Dr was $1,655.
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 | $167,100 (-) Land $25,000 Building $142,100 | $167,100 (-) Land $25,000 Building $142,100 | |
| 2025 | $1,655.00 | $167,100 Land $25,000 Building $142,100 | $167,100 Land $25,000 Building $142,100 |
| 2023 | $1,781.00 | $167,100 Land $25,000 Building $142,100 | $167,100 Land $25,000 Building $142,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3409 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 3409 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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