Kenton County property record for 3370 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 | 2 Individual Names on File |
| Last Sale | $15,000 (Aug 2021) |
| Tax Bill | $1,615 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Aug 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-40-03-067.00 |
| Primary APN | 002-40-03-067.00 |
|---|
| 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 | 3370 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 67 |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 2 |
| Legal Lot Number | 67 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3063 |
| Census Tract | 67200 |
3370 Spruce Tree Ln is owned and occupied by two individuals who bought it in August 2021.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3370 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 |
|---|---|
| Sep 5, 2023 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Aug 31, 2017 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2021 · Amount on File |
| Deed Sale | Aug 30, 2021 · Amount on File |
| Prior Sale | May 17, 2004 · Amount on File |
| Deed Document Number | 2021309 |
| Deed Book / Page | 114 / 665 |
| Prior Transfer Date | Aug 24, 2021 |
| Prior Transfer Doc | 0000000309 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3370 SPRUCE TREE LN, ERLANGER, KY 41018-1155 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Title Company | NOT AVAILABLE, 360 AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3370 SPRUCE TREE LN, ERLANGER, KY 41018-1155 |
| Document Number | 0005900039 |
|---|---|
| Date | Sep 5, 2023 |
| Book Page | KCM 489/26 |
| Instrument | 23090505900039 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3370 SPRUCE TREE LN, ERLANGER, KY 41018-1155 |
| Document Number | 0000000153 |
| Book / Page | 0C6253 / 000282 |
| Instrument Date | Aug 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3320 SPRUCE TREE LN ERLANGER KY 41018, ERLANGER, KY 41018 |
| Document Number | 0000000153 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 0C6253/000282 |
| Instrument | 153 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 20, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3370 Spruce Tree Ln was $1,615.
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 | $163,000 (-) Land $25,000 Building $138,000 | $163,000 (-) Land $25,000 Building $138,000 | |
| 2025 | $1,615.00 | $163,000 Land $25,000 Building $138,000 | $163,000 Land $25,000 Building $138,000 |
| 2023 | $1,737.00 | $163,000 Land $25,000 Building $138,000 | $163,000 Land $25,000 Building $138,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3370 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 3370 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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