Kenton County property record for 3364 Spruce Tree Ln, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 872 sqft · built 2004 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $141,000 (Apr 2018) |
| Tax Bill | $1,588 (2025) |
| Deeds & Mortgages | Apr 2018 Sale & Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-40-03-064.00 |
| Primary APN | 002-40-03-064.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 872 sqft Finished Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 3364 SPRUCE TREE LN |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHERRY HILL SEC 2 LOT 64 |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 2 |
| Legal Lot Number | 64 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3063 |
| Census Tract | 67200 |
3364 Spruce Tree Ln is owned and occupied by an individual who bought it in April 2018.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3364 SPRUCE TREE LN, ERLANGER, KY 41018-1155 |
| 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 |
|---|---|
| Apr 2, 2018 | Warranty Deed, Transfer · Conventional Mortgage SHAREFAX CU |
| Mar 23, 2017 | Warranty Deed, Transfer · Conventional Mortgage FIRST FIN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2018 · Amount on File |
| Deed Sale | Apr 2, 2018 · Amount on File |
| Prior Sale | Mar 23, 2017 · Amount on File |
| Deed Document Number | 201804 02 059 00227 |
| Deed Book / Page | 6381 / 141 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 2, 2018 |
| Property Address | 3364 SPRUCE TREE LN, ERLANGER, KY 41018-1155 |
| Document Number | 0000000227 |
| Book / Page | 0C6381 / 000141 |
| Instrument Date | Mar 29, 2018 |
| Instrument | 227 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $141.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3364 SPRUCE TREE LN ERLANGER KY 410181155, ERLANGER, KY 41018-1155 |
| Document Number | 228 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 0C6381/000143 |
| Instrument | 228 |
| Name | SHAREFAX CU |
|---|---|
| Type | Credit Union |
| Address | BATAVIA, OH 45103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 23, 2017 |
| Property Address | 3364 SPRUCE TREE LN, ERLANGER, KY 41018-1155 |
| Document Number | 0000000044 |
| Book / Page | 0C6122 / 000108 |
| Instrument Date | Mar 20, 2017 |
| Instrument | 44 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2017 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $131.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3364 SPRUCE TREE LN ERLANGER KY 410181155, ERLANGER, KY 41018-1155 |
| Document Number | 45 |
|---|---|
| Date | Mar 23, 2017 |
| Book Page | 0C6122/000111 |
| Instrument | 45 |
| Name | FIRST FIN |
|---|---|
| Type | Funding / Finance Company |
| Address | MILLERSVILLE, MD 21108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 22, 2047 |
The 2025 property tax bill for 3364 Spruce Tree Ln was $1,588.
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 | $160,300 (-) Land $25,000 Building $135,300 | $160,300 (-) Land $25,000 Building $135,300 | |
| 2025 | $1,588.00 | $160,300 Land $25,000 Building $135,300 | $160,300 Land $25,000 Building $135,300 |
| 2023 | $1,708.00 | $160,300 Land $25,000 Building $135,300 | $160,300 Land $25,000 Building $135,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3364 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 3364 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 249 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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