Kenton County property record for 3363 Spruce Tree Ln, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,095 sqft · built 2004 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $154,900 (Jul 2018) |
| Tax Bill | $1,833 (2025) |
| Deeds & Mortgages | Jul 2023 Transfer Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-40-03-024.00 |
| Primary APN | 002-40-03-024.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,095 sqft Finished Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Lot Area | 9,583 sqft (0.22 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 | 3363 SPRUCE TREE LN |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1158 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHERRY HILL SEC 2 LOT 24 |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 2 |
| Legal Lot Number | 24 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3056 |
| Census Tract | 67200 |
3363 Spruce Tree Ln is owned and occupied by an individual who acquired it in June 2023.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3363 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| 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 31, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage OPTION FINANCIAL LLC |
| Jul 3, 2018 | Warranty Deed, Transfer · Conventional Mortgage KENTUCKY HSNG |
| Jun 19, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage VICTORY CMNTY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2018 · Amount on File |
| Deed Sale | Jul 3, 2018 · Amount on File |
| Prior Sale | Dec 21, 2004 · Amount on File |
| Deed Document Number | 201807 03 059 00213 |
| Deed Book / Page | 6445 / 166 |
| Last Transfer Date | Jun 3, 2023 |
| Transfer Doc | 0006900041 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 31, 2023 |
| Property Address | 3363 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0006900041 |
| Book / Page | KC 238 / 612 |
| Map Reference | SL 1969 |
| Instrument Date | Jun 22, 2023 |
| Instrument | 23073106900041 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1739 TANGLEWOOD CT, BURLINGTON, KY 41005-8074 |
| Name | Verified Name |
|---|---|
| Address | 3363 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3363 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900052 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 288/439 |
| Instrument | 21102105900052 |
| Name | OPTION FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45247 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 3, 2018 |
| Property Address | 3363 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0000000213 |
| Book / Page | 0C6445 / 000166 |
| Instrument Date | Jun 30, 2018 |
| Instrument | 213 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $154.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3363 SPRUCE TREE LN ERLANGER KY 410181158, ERLANGER, KY 41018-1158 |
| Document Number | 215 |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 0C6445/000185 |
| Instrument | 215 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 2, 2028 |
| Rate | 12% |
|---|
| Document Number | 214, |
|---|---|
| Date | Jul 3, 2018 |
| Book Page | 0C6445/000169 |
| Instrument | 214 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45247 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 2, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 19, 2018 |
| Property Address | 3363 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Book / Page | 0C6433 / 000291 |
| Instrument Date | Jun 13, 2018 |
| Instrument | 34 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3363 SPRUCE TREE LN ERLANGER KY 410181158, ERLANGER, KY 41018-1158 |
| Document Number | 0000000034 |
|---|---|
| Date | Jun 19, 2018 |
| Book Page | 0C6433/000291 |
| Instrument | 34 |
| Name | VICTORY CMNTY BK |
|---|---|
| Type | Bank |
| Address | FORT MITCHELL, KY 41017 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jun 18, 2019 |
The 2025 property tax bill for 3363 Spruce Tree Ln was $1,833.
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 | $185,000 (-) Land $25,000 Building $160,000 | $185,000 (-) Land $25,000 Building $160,000 | |
| 2025 | $1,833.00 | $185,000 Land $25,000 Building $160,000 | $185,000 Land $25,000 Building $160,000 |
| 2023 | $1,972.00 (+16.62%) | $185,000 (+19.43%) Land $25,000 Building $160,000 | $185,000 (+19.43%) Land $25,000 Building $160,000 |
| 2022 | $1,691.00 | $154,900 Land $25,000 Building $129,900 | $154,900 Land $25,000 Building $129,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3363 Spruce Tree Ln in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 3363 Spruce Tree Ln 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 | 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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