39 Swarthmore Dr, Edgewood (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 39 Swarthmore Dr, Edgewood, KY 41017

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,130 sqft · built 2005
Lot Size	0.676 acres (29,447 sqft)
Owner	2 Individual Names on File
Last Sale	$142,260 (Jan 2005)
Tax Bill	$9,102 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`015-40-14-035.00`

Property Details

APN / Parcel Number

Primary APN	`015-40-14-035.00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Stories	1 Story
Building Area	3,130 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	29,447 sqft (0.676 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	39 SWARTHMORE DR
City	EDGEWOOD
State	KY
Zip	41017-4309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHLEY WOODS SEC 2 PT LOT 35 CONTAINING 0.676 AC
Legal Subdivision	ASHLEY WOODS
Legal Phase	2
Legal Lot Number	35
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3002
Census Tract	64500

Owner

39 Swarthmore Dr is owned and occupied by two individuals who acquired it in January 2012.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	39 SWARTHMORE DR, EDGEWOOD, KY 41017-4309
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2005 · Amount on File
Deed Sale	Jan 25, 2005 · Amount on File
Prior Sale	Aug 27, 2003 · Amount on File
Deed Document Number	200501 25 059 00190
Deed Book / Page	2479 / 48
Last Transfer Date	Jan 18, 2012
Transfer Doc	0005900212
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	39 SWARTHMORE DR, EDGEWOOD, KY 41017-4309
Transaction Type	Mortgage
Record Updated	Dec 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 SWARTHMORE DR, EDGEWOOD, KY 41017-4309

Mortgage

Document Number	0005900012
Date	Nov 8, 2023
Book Page	KCM 505/513
Instrument	23110805900012

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 23, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 39 Swarthmore Dr was $9,102 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$739,200 (-) Land $125,000 Building $614,200	$739,200 (-) Land $125,000 Building $614,200
2025	$9,102.00 Homeowner's exemption	$739,200 Land $125,000 Building $614,200	$739,200 Land $125,000 Building $614,200
2023	$8,542.00 Homeowner's exemption	$704,000 Land $125,000 Building $579,000	$704,000 Land $125,000 Building $579,000

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

Flood

FEMA maps place 39 Swarthmore Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · 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	1 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2022 · rainfall accumulation

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

Wildfire risk around 39 Swarthmore Dr is low, with less than 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 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 300 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