3708 Valley Creek Dr, Pendleton, KY 40055 Property Records

Oldham County property record for 3708 Valley Creek Dr, Pendleton, KY 40055

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,899 sqft · built 1998
Lot Size	15 acres (654,706 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Mar 2018)
Tax Bill	$4,602 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51-11B-01-27`

Property Details

APN / Parcel Number

Primary APN	`51-11B-01-27`
Alternative APN	`59065`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,899 sqft Living Area
Basement Area	1,134 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	654,706 sqft (15 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	59065
Street Address	3708 VALLEY CREEK DR
City	PENDLETON
State	KY
Zip	40055-9706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE, GARAGE & 15.03 AC LOT
Legal Subdivision	OLDHAM HILLS FARMS
Legal Tract	1
Legal Block	SEC 1
Legal Lot Number	27
Jurisdiction	OLDHAM KY
Township / Civil Division	LA GRANGE
Census Block Group	2
Census Block	2001
Census Tract	30100

Owner

Source: Oldham County records, as of December 23, 2025

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	3708 VALLEY CREEK DR, PENDLETON, KY 40055-9706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 13, 2018	Warranty Deed, Transfer · SBA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2018 · Amount on Record
Deed Sale	Mar 13, 2018 · Amount on Record
Prior Sale	Oct 26, 2005 · Amount on Record
Deed Document Number	2018536545
Deed Book / Page	1186 / 409
Prior Transfer Date	Feb 21, 2011
Prior Transfer Doc	D993/372
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	3708 VALLEY CREEK DR, PENDLETON, KY 40055-9706
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2464/248
Date	Nov 6, 2020
Book Page	M2464/248
Instrument	604235

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Mar 13, 2018
Property Address	3708 VALLEY CREEK DR, PENDLETON, KY 40055-9706
Document Number	D1186/409
Book / Page	D1186 / 409
Map Reference	MB3 PG157
Instrument Date	Mar 9, 2018
Instrument	536545
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	KENTUCKIANA TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$355.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1317 LAKE ACCESS RD, 1317, SMITHFIELD, KY 40068-7912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3708 VALLEY CREEK DR, PENDLETON, KY 40055-9706
Investor	Possibly a Property Investor

Mortgage

Document Number	536546
Date	Mar 13, 2018
Instrument	536546

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of December 23, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,602.00 (+3.35%)	$370,000 (+4.23%) Land $100,000 Building $270,000	$370,000 (+4.23%) Land $100,000 Building $270,000
2023	$4,453.00	$355,000 Land $100,000 Building $255,000	$355,000 Land $100,000 Building $255,000

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 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	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 2 claims

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

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	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

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 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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