3497 Ridgewood Dr, Erlanger, KY 41018 Property Records

Kenton County property record for 3497 Ridgewood Dr, Erlanger, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 864 sqft · built 1983
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Sep 2008)
Tax Bill	$1,845 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`017-40-00-025.00`

Property Details

APN / Parcel Number

Primary APN	`017-40-00-025.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	6 Units
Building Area	864 sqft Finished Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	177 ft deep x 64 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3497 RIDGEWOOD DR
City	ERLANGER
State	KY
Zip	41018-2884
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING VALLEY II SEC 9B LOT 85 0.24 ACS 64X177.58 IRR SWS RIDGEWOOD DR
Legal Subdivision	SPRING VALLEY II
Legal Phase	9B
Legal Lot Number	85
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	3
Census Block	3000
Census Tract	63608

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	Individual Name on Record
Mailing Address	3497 RIDGEWOOD DR, ERLANGER, KY 41018-2884
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2008 · Amount on Record
Deed Sale	Sep 17, 2008 · Amount on Record
Deed Document Number	200809 17 059 00202
Deed Book / Page	2376 / 318
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3497 RIDGEWOOD DR, ERLANGER, KY 41018-2884
Transaction Type	Mortgage
Record Updated	Dec 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3497 RIDGEWOOD DR, ERLANGER, KY 41018-2884

Mortgage

Document Number	0005900053
Date	Nov 21, 2022
Book Page	422/770
Instrument	22112105900053

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Erlanger City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

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.

Flood

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

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 172 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