Kenton County property record for 3496 Ridgewood Dr, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 852 sqft · built 1986 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100,500 (Aug 2017) |
| Tax Bill | $1,845 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Sep 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-40-00-016.00 |
| Primary APN | 017-40-00-016.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 852 sqft Finished Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 166 ft deep x 77.2 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 3496 RIDGEWOOD DR |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-2887 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING VALLEY II SEC 9B LOT 94 0.32 ACS 77.22X166.62 IRR NES RIDGEWOOD DR |
| Legal Subdivision | SPRING VALLEY II |
| Legal Phase | 9B |
| Legal Lot Number | 94 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 63608 |
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 | 3496 RIDGEWOOD DR, ERLANGER, KY 41018-2887 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2024 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Sep 19, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Aug 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Jan 4, 2022 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Aug 9, 2017 | Warranty Deed, Transfer SUMMIT FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2017 · Amount on Record |
| Deed Sale | Aug 9, 2017 · Amount on Record |
| Deed Document Number | 201708 09 059 00104 |
| Deed Book / Page | 3982 / 134 |
| Prior Transfer Date | Nov 10, 2014 |
| Prior Transfer Doc | 0005900085 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3496 RIDGEWOOD DR, ERLANGER, KY 41018-2887 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3496 RIDGEWOOD DR, ERLANGER, KY 41018-2887 |
| Document Number | 0005900103 |
|---|---|
| Date | Mar 27, 2024 |
| Book Page | KCM 535/867 |
| Instrument | 24032705900103 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Feb 1, 2064 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3496 RIDGEWOOD DR, ERLANGER, KY 41018-2887 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3496 RIDGEWOOD DR, ERLANGER, KY 41018-2887 |
| Document Number | 0005900042 |
|---|---|
| Date | Sep 19, 2023 |
| Book Page | KCM 492/808 |
| Instrument | 23091905900042 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 286 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3496 RIDGEWOOD DR, ERLANGER, KY 41018-2887 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3496 RIDGEWOOD DR, ERLANGER, KY 41018-2887 |
| Document Number | 0005900014 |
|---|---|
| Date | Aug 28, 2023 |
| Book Page | KCM 487/105 |
| Instrument | 23082805900014 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 287 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3496 RIDGEWOOD DR, ERLANGER, KY 41018-2887 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3496 RIDGEWOOD DR, ERLANGER, KY 41018-2887 |
| Document Number | 0005900053 |
|---|---|
| Date | Jan 4, 2022 |
| Book Page | 321/161 |
| Instrument | 22010405900053 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | Jul 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 9, 2017 |
| Property Address | 3496 RIDGEWOOD DR, ERLANGER, KY 41018-2887 |
| Document Number | 0000000104 |
| Book / Page | 003982 / 000134 |
| Instrument Date | Jun 23, 2017 |
| Instrument | 104 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2017 |
| Title Company | IVY PT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3496 RIDGEWOOD DR ERLANGER KY 410182887, ERLANGER, KY 41018-2887 |
| Document Number | 105 |
|---|---|
| Date | Aug 9, 2017 |
| Book Page | 0I3982/000137 |
| Instrument | 105 |
| Name | SUMMIT FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | SACRAMENTO, CA 95815 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 8, 2047 |
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 | $186,200 (-) Land $25,000 Building $161,200 | $186,200 (-) Land $25,000 Building $161,200 | |
| 2025 | $1,845.00 (-7.01%) | $186,200 (-) Land $25,000 Building $161,200 | $186,200 (-) Land $25,000 Building $161,200 |
| 2023 | $1,984.00 | $186,200 Land $25,000 Building $161,200 | $186,200 Land $25,000 Building $161,200 |
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 328 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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