Kenton County property record for 3355 Spruce Tree Ln, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,030 sqft · built 2005 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $169,900 (Jul 2019) |
| Tax Bill | $1,813 (2025) |
| Deeds & Mortgages | Jul 2019 Sale & Mortgage Jul 2019 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-40-03-028.00 |
| Primary APN | 002-40-03-028.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,030 sqft Finished Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3355 SPRUCE TREE LN |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1158 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHERRY HILL SEC 3 LOT 28 |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 3 |
| Legal Lot Number | 28 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3056 |
| Census Tract | 67200 |
Source: Kenton County records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 3355 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 15, 2019 | Warranty Deed, Transfer · FHA Mortgage KENTUCKY HSNG |
| Jul 15, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| May 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage L&N FCU |
| Nov 30, 2017 | Deed of Trust, Mortgage · Line of Credit L&N FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2019 · Amount on Record |
| Deed Sale | Jul 15, 2019 · Amount on Record |
| Prior Sale | Jul 15, 2019 · Amount on Record |
| Deed Document Number | 201907 15 059 00048 |
| Deed Book / Page | 6703 / 179 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 15, 2019 |
| Property Address | 3355 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0000000048 |
| Book / Page | 0C6703 / 000179 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 48 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $169.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3355 SPRUCE TREE LN ERLANGER KY 410181158, ERLANGER, KY 41018-1158 |
| Document Number | 49 |
|---|---|
| Date | Jul 15, 2019 |
| Book Page | 0C6703/000183 |
| Instrument | 49 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 14, 2049 |
| Document Number | 50, |
|---|---|
| Date | Jul 15, 2019 |
| Book Page | 0C6703/000201 |
| Instrument | 50 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jul 14, 2029 |
| Rate | 12% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 15, 2019 |
| Property Address | 3355 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0000000046 |
| Book / Page | 0C6703 / 000175 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 46 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $169.90 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 40 APPLE RIDGE RD DANBURY CT 068107301, DANBURY, CT 06810-7301 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3355 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0000000275 |
| Instrument Date | May 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2018 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3355 SPRUCE TREE LN ERLANGER KY 410181158, ERLANGER, KY 41018-1158 |
| Document Number | 0000000275 |
|---|---|
| Date | Jun 25, 2018 |
| Book Page | 0C6437/000287 |
| Instrument | 275 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 384 Months |
| Due | Jun 24, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3355 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0000000116 |
| Book / Page | 006317 / 000222 |
| Instrument Date | Nov 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2018 |
| Title Company | STEWART TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3355 SPRUCE TREE LN ERLANGER KY 410181158, ERLANGER, KY 41018-1158 |
| Document Number | 0000000116 |
|---|---|
| Date | Dec 18, 2017 |
| Book Page | 006317/000222 |
| Instrument | 116 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 17, 2037 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Erlanger City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $183,000 (-) Land $25,000 Building $158,000 | $183,000 (-) Land $25,000 Building $158,000 | |
| 2025 | $1,813.00 (-7.03%) | $183,000 (-) Land $25,000 Building $158,000 | $183,000 (-) Land $25,000 Building $158,000 |
| 2023 | $1,950.00 | $183,000 Land $25,000 Building $158,000 | $183,000 Land $25,000 Building $158,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 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 219 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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