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3522 Saddlebrook Dr, Taylor Mill (Latonia), KY 41015 Property Records

Kenton County property record for 3522 Saddlebrook Dr, Taylor Mill, KY 41015

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 1,948 sqft · built 1992
Lot Size0.29 acres (12,632 sqft)
OwnerIndividual Name on File
Last Sale$260,000 (Oct 2022)
Tax Bill$2,859 (2025)
Deeds & MortgagesOct 2022 Sale & Mortgage
Aug 2021 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN058-30-01-022.00

Property Details

APN / Parcel Number

Primary APN058-30-01-022.00

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,948 sqft Finished Area
Gross Area2,502 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Exterior MaterialBrick
Roof MaterialComposition Shingle
Lot Area12,632 sqft (0.29 acres)
Garage TypeBasement
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Street Address3522 SADDLEBROOK DR
CityTAYLOR MILL
StateKY
Zip41015-4415
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMILLSTONE CROSSING SEC 2 LOT 22
Legal SubdivisionMILLSTONE CROSSING
Legal Phase2
Legal Lot Number22
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1004
Census Tract65300

Owner

Source: Kenton County records · APN 058-30-01-022.00

Assessment roll updated December 2, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3522 SADDLEBROOK DR, TAYLOR MILL, KY 41015-4415
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 04, 2022Warranty Deed, Transfer · Conventional Mortgage
PNC BANK NA
Aug 26, 2021Deed, Transfer
Jul 13, 2017Deed of Trust, Mortgage · Conventional Mortgage
HOMETOWN LNDRS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 04, 2022 · Amount on Record
Deed SaleOct 04, 2022 · Amount on Record
Prior SaleAug 26, 2021 · Amount on Record
Deed Document Number2022269
Deed Book / Page193 / 106
Prior Transfer DateOct 03, 2022
Prior Transfer Doc0005900269
Record UpdatedJun 08, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateOct 04, 2022
Property Address3522 SADDLEBROOK DR, TAYLOR MILL, KY 41015-4415
Document Number0005900269
Book / Page193 / 106
Map ReferenceSL B-728
Instrument DateOct 01, 2022
Instrument22100405900269
Transaction TypeTransfer
Record UpdatedOct 19, 2022
Title CompanyAGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address5723 HEZATHWOAT COURT, 5723, COVINGTON, KY 41015

Transferred To (Grantee/Buyer)

NameVerified Name
Address3522 SADDLEBROOK DR, TAYLOR MILL, KY 41015-4415

Mortgage

Document Number0005900270
DateOct 04, 2022
Instrument22100405900270
Lender
NamePNC BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2052

August 2021: Deed, Transfer

Document TypeDeed
JurisdictionKENTON KY
Recording DateAug 26, 2021
Property Address3522 SADDLEBROOK DR, TAYLOR MILL, KY 41015-4415
Document Number0005900187
Book / Page113 / 757
Map ReferenceSL B-728
Instrument DateAug 20, 2021
Instrument21082605900187
Transaction TypeTransfer
Record UpdatedSep 07, 2021

Transaction

AmountAmount Recorded
Tax$165.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3522 SADDLEBROOK DR, 3522, TAYLOR MILL, KY 41015-4415

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address5723 HEATHWOOD CT, COVINGTON, KY 41015-2491

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3522 SADDLEBROOK DR, TAYLOR MILL, KY 41015-4415
Document Number0000000204
Instrument DateJul 13, 2017
Transaction TypeMortgage
Record UpdatedMar 19, 2018
Title CompanyTECHNE TITLE AGENCY INC

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3522 SADDLEBROOK DR TAYLOR MILL KY 410154415, TAYLOR MILL, KY 41015-4415

Mortgage

Document Number0000000204
DateAug 10, 2017
Book Page0I3983/000003
Instrument204
Lender
NameHOMETOWN LNDRS
AddressHUNTSVILLE, AL 35806
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 09, 2047

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityTaylor Mill City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$2,859.00 (+3.18%)$288,500 (+10.96%) Land $35,000 Building $253,500$288,500 (+10.96%) Land $35,000 Building $253,500
2023$2,771.00$260,000 Land $30,000 Building $230,000$260,000 Land $30,000 Building $230,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170653001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1997)
Claims Outside the SFHA1 of 1
Most Recent ClaimMar 1997 · Severe Storm, Flooding, And Tornadoes

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 155 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cincinnati Bell
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile USA
Fixed Wireless		100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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