Oldham County property record for 3735 Valley Creek Dr, Pendleton, KY 40055
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,976 sqft · built 1980 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,767 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Aug 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-11B-01-18 |
| Primary APN | 51-11B-01-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,976 sqft Living Area |
| Year Built | Built 1980 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 23500 |
|---|---|
| Street Address | 3735 VALLEY CREEK DR |
| City | PENDLETON |
| State | KY |
| Zip | 40055-9706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, GARAGE & 5 AC LOT |
| Legal Block | SEC 1 |
| Legal Lot Number | 18 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | LA GRANGE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 30100 |
Source: Oldham County assessment roll, APN 51-11B-01-18, as of July 1, 2025 · Last verified January 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 File |
|---|---|
| Mailing Address | 3735 VALLEY CREEK DR, PENDLETON, KY 40055-9706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 09, 2026 | Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC |
| Aug 23, 2023 | Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 722-001 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3735 VALLEY CREEK DR, PENDLETON, KY 40055-9706 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3735 VALLEY CREEK DR, PENDLETON, KY 40055-9706 |
| Document Number | 00M2728/21 |
|---|---|
| Date | Jan 09, 2026 |
| Book Page | M2728/21 |
| Instrument | 844230 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | WILLIAMSTON, MI 48895 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3735 VALLEY CREEK DR, PENDLETON, KY 40055-9706 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2635/171 |
|---|---|
| Date | Aug 23, 2023 |
| Book Page | M2635/171 |
| Instrument | 739424 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | WILLIAMSTON, MI 48895 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 01, 2048 |
Source: Oldham County assessment roll as of July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,767.00 (+22.16%) Homeowner's exemption | $270,000 (+2%) Land $80,000 Building $190,000 | $270,000 (+2%) Land $80,000 Building $190,000 |
| 2023 | $2,265.00 Homeowner's exemption | $225,000 Land $80,000 Building $145,000 | $225,000 Land $80,000 Building $145,000 |
Source: FEMA National Flood Hazard Layer, Oldham County (21185C), as of October 15, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211850301002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, 18 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| 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)
Source: EPA Safe Drinking Water Information System, water system KY0520192, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HENRY COUNTY WATER DISTRICT #2 serves 17,716 people |
|---|---|
| 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 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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