Oldham County property record for 3704 Valley Creek Dr, Pendleton, KY 40055
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,791 sqft · built 2006 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $31,500 (May 2005) |
| Tax Bill | $4,233 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-11B-01-26 |
| Primary APN | 51-11B-01-26 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,791 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 32679 |
|---|---|
| Street Address | 3704 VALLEY CREEK DR |
| City | PENDLETON |
| State | KY |
| Zip | 40055-9706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 5 AC LOT |
| Legal Block | SEC 1 |
| Legal Lot Number | 26 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | LA GRANGE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30100 |
3704 Valley Creek Dr is owned and occupied by an individual who bought it in May 2005.
Source: Oldham County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3704 VALLEY CREEK DR, PENDLETON, KY 40055-9706 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2005 · Amount on File |
| Deed Sale | May 13, 2005 · Amount on File |
| Deed Document Number | 329698 |
| Deed Book / Page | D833 / 622 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3704 VALLEY CREEK DR, PENDLETON, KY 40055-9706 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TRIPLE CROWN TITLE |
| Name | Verified Name |
|---|
| Document Number | M2422/449 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | M2422/449 |
| Instrument | 578660 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2035 |
The 2025 property tax bill for 3704 Valley Creek Dr was $4,233.
Source: Oldham County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,233.00 | $340,000 Land $80,000 Building $260,000 | $340,000 Land $80,000 Building $260,000 |
| 2023 | $3,858.00 | $307,000 Land $80,000 Building $227,000 | $307,000 Land $80,000 Building $227,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3704 Valley Creek Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · 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 Policies | 5 in force |
| Nearby Flood Claims | 6 (1978–1997) |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, And Tornadoes |
| Claims by Event |
|
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 risk around 3704 Valley Creek 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 | Direct burnable vegetation |
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 | HENRY COUNTY WATER DISTRICT #2 serves 17,716 people · EPA ID KY0520192 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 2 ppb (2023–2025) 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 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Spectrum.
5G and 4G LTE (outdoors only)
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