Pendleton County property record for 56 Flat Ridge Dr, Butler, KY 41006
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $9,900 (Jun 2019) |
| Tax Bill | $1,281 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit May 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-00-00-040.10 |
| Primary APN | 056-00-00-040.10 |
|---|
| Lot Area | 43,560 sqft (1 acres) |
|---|
| Street Address | 56 FLAT RIDGE DR |
|---|---|
| City | BUTLER |
| State | KY |
| Zip | 41006-8001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 AC (LOTS 21, 22, & PART OF 23) & HOUSE |
| Legal Subdivision | FLAT RIDGE SUBDIVISION |
| Legal Lot Number | 21,22 |
| Jurisdiction | PENDLETON KY |
| Township / Civil Division | BUTLER |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 930101 |
56 Flat Ridge Dr is owned and occupied by two individuals who bought it in June 2019.
Source: Pendleton County records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 56 FLAT RIDGE DR, BUTLER, KY 41006-8001 |
| 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.
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK |
| May 11, 2023 | Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK INC |
| Jun 24, 2019 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2019 · Amount on File |
| Deed Sale | Jun 24, 2019 · Amount on File |
| Deed Document Number | 2019511305 |
| Deed Book / Page | 353 / 408 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Recording Date | Jul 21, 2026 |
| Property Address | 56 FLAT RIDGE DR, BUTLER, KY 41006-8001 |
| Document Number | 0000650428 |
| Book / Page | 455 / 553 |
| Instrument Date | Jul 1, 2026 |
| Instrument | 2026650428 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 56 FLAT RIDGE DR, BUTLER, KY 41006-8001 |
| Document Number | 0000650428, |
|---|---|
| Date | Jul 21, 2026 |
| Book Page | 455/553 |
| Instrument | 2026650428 |
| Name | PNC BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jul 21, 2066 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 56 FLAT RIDGE DR, BUTLER, KY 41006-8001 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2023 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 121 FLAT RIDGE DR, BUTLER, KY 41006-8003 |
| Document Number | 0000426/52 |
|---|---|
| Date | May 11, 2023 |
| Book Page | 426/52 |
| Instrument | 580963 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | BURLINGTON, KY 41005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Jun 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year T-Bill |
| Max Rate | 12.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PENDLETON KY |
| Recording Date | Jun 24, 2019 |
| Property Address | 56 FLAT RIDGE DR, BUTLER, KY 41006-8001 |
| Document Number | 00D353/408 |
| Book / Page | D353 / 408 |
| Map Reference | CAB 2 SL 212 A |
| Instrument Date | Jun 20, 2019 |
| Instrument | 511305 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1096 MORELAND RD, ALEXANDRIA, KY 41001-7552 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 306 GARRARD ST, COVINGTON, KY 41011-1795 |
The 2025 property tax bill for 56 Flat Ridge Dr was $1,281 with a homeowner's exemption.
Source: Pendleton County assessment roll, as of October 21, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Pendleton County |
| Unified School District | Pendleton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,281.00 Homeowner's exemption | $144,500 | $144,500 |
| 2023 | $1,364.00 Homeowner's exemption | $144,500 | $144,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 56 Flat Ridge Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 18, 2013 · 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 6 in force |
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 56 Flat Ridge 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 | EAST PENDLETON WATER DISTRICT serves 5,515 people · EPA ID KY0960112 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2025 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Oct 2016 |
|---|---|
| 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Verizon Fixed Wireless | 300 / 20 |
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