Kenton County property record for 46 Swarthmore Dr, Edgewood, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6 ba · 4,787 sqft · built 2003 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,360,000 (Mar 2024) |
| Tax Bill | $17,938 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Oct 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 015-40-14-044.00 |
| Primary APN | 015-40-14-044.00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 4,787 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 27,443 sqft (0.63 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 46 SWARTHMORE DR |
|---|---|
| City | EDGEWOOD |
| State | KY |
| Zip | 41017-4308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ASHLEY WOODS SEC 2 LOT 44 & PT LOT 43 |
| Legal Subdivision | ASHLEY WOODS |
| Legal Phase | 2 |
| Legal Lot Number | 44,43 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 64500 |
46 Swarthmore Dr is owned by a company that acquired it in March 2026.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 46 SWARTHMORE DR, EDGEWOOD, KY 41017-4308 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY TRUST BANK INC |
| Oct 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Mar 8, 2024 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Dec 6, 2019 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Nov 7, 2019 | Deed of Trust, Mortgage HUNTINGTON NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 8, 2024 · Amount on File |
| Deed Sale | Mar 8, 2024 · Amount on File |
| Prior Sale | Feb 2, 2005 · Amount on File |
| Deed Document Number | 2024114 |
| Deed Book / Page | 273 / 267 |
| Last Transfer Date | Mar 16, 2026 |
| Transfer Doc | 0000006232 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 46 SWARTHMORE DR, EDGEWOOD, KY 41017-4308 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 46 SWARTHMORE DR, EDGEWOOD, KY 41017-4308 |
| Document Number | 0000006234 |
|---|---|
| Date | Mar 27, 2026 |
| Book Page | 406/658 |
| Instrument | 26059000006234 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | CAMPBELLSVILLE, KY 42718 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 16, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 46 SWARTHMORE DR, EDGEWOOD, KY 41017-4308 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0005900044 |
|---|---|
| Date | Oct 22, 2025 |
| Book Page | KCM 698/891 |
| Instrument | 25102205900044 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 4.12% |
| Max Rate At Change | 8.12% |
| Index | 1-Year CMT |
| Max Rate | 12.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 46 SWARTHMORE DR, EDGEWOOD, KY 41017-4308 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900115 |
|---|---|
| Date | Mar 8, 2024 |
| Book Page | KCM 531/532 |
| Instrument | 24030805900115 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Feb 16, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 46 SWARTHMORE DR, EDGEWOOD, KY 41017-4308 |
| Document Number | 0000000205 |
| Instrument Date | Dec 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2020 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 46 SWARTHMORE DR EDGEWOOD KY 410174308, EDGEWOOD, KY 41017-4308 |
| Document Number | 0000000205 |
|---|---|
| Date | Dec 30, 2019 |
| Book Page | 0C6843/000053 |
| Instrument | 205 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 29, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 46 SWARTHMORE DR, EDGEWOOD, KY 41017-4308 |
| Document Number | 0000000247 |
| Instrument Date | Nov 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 46 SWARTHMORE DR EDGEWOOD KY 410174308, EDGEWOOD, KY 41017-4308 |
| Document Number | 0000000247 |
|---|---|
| Date | Nov 13, 2019 |
| Book Page | 0C6801/000137 |
| Instrument | 247 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 12, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
The 2025 property tax bill for 46 Swarthmore Dr was $17,938.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Edgewood City |
| Unified School District | Erlanger-Elsmere Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,160,000 (-14.71%) Land $125,000 Building $1,035,000 | $1,160,000 (-14.71%) Land $125,000 Building $1,035,000 | |
| 2025 | $17,938.00 | $1,360,000 Land $125,000 Building $1,235,000 | $1,360,000 Land $125,000 Building $1,235,000 |
| 2023 | $13,274.00 | $1,021,900 Land $125,000 Building $896,900 | $1,021,900 Land $125,000 Building $896,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 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 risk around 46 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.
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 |
| 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 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 |
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