Kenton County property record for 3372 Spruce Tree Ln, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 872 sqft · built 2004 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,642 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Jul 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-40-03-068.00 |
| Primary APN | 002-40-03-068.00 |
|---|
| Bedrooms | 4 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 | 3372 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 68 |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 2 |
| Legal Lot Number | 68 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3063 |
| Census Tract | 67200 |
3372 Spruce Tree Ln is owned and occupied by an individual who acquired it in January 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3372 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 |
|---|---|
| Jan 16, 2024 | Deed of Trust, Mortgage · VA Mortgage US BANK NA |
| Jul 14, 2020 | Deed of Trust, Mortgage · VA Mortgage OTHER INSTITUTIONAL LENDERS |
| Jul 17, 2020 | Warranty Deed, Transfer · VA Mortgage OTHER INSTITUTIONAL LENDERS |
| Aug 7, 2019 | Loan Modification, Mortgage · FHA Mortgage PNC BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 2024 |
| Deed Sale | Jan 16, 2024 |
| Prior Sale | Jul 17, 2020 · Amount on File |
| Deed Document Number | 2024264 |
| Deed Book / Page | 265 / 636 |
| Prior Transfer Date | Dec 19, 2023 |
| Prior Transfer Doc | 0000000264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3372 SPRUCE TREE LN, ERLANGER, KY 41018-1155 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3372 SPRUCE TREE LN, ERLANGER, KY 41018-1155 |
| Document Number | 0005900265 |
|---|---|
| Date | Jan 16, 2024 |
| Book Page | KCM 520/571 |
| Instrument | 24011605900265 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3372 SPRUCE TREE LN, ERLANGER, KY 41018-1155 |
| Document Number | 0000000090 |
| Instrument Date | Jul 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3372 SPRUCE TREE LN ERLANGER KY 410181155, ERLANGER, KY 41018-1155 |
| Document Number | 0000000090 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | 000M70/000703 |
| Instrument | 90 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45247 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 17, 2020 |
| Property Address | 3372 SPRUCE TREE LN, ERLANGER, KY 41018-1155 |
| Document Number | 0000000090 |
| Book / Page | 000032 / 000487 |
| Instrument Date | Jul 14, 2020 |
| Instrument | 90 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2020 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $166.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3372 SPRUCE TREE LN ERLANGER KY 410181155, ERLANGER, KY 41018-1155 |
| Document Number | 0000000090 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | 000M70/000703 |
| Instrument | 90 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45247 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 16, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3372 SPRUCE TREE LN, ERLANGER, KY 41018-1155 |
| Document Number | 0000000352 |
| Instrument Date | Aug 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3372 SPRUCE TREE LN ERLANGER KY 410181155, ERLANGER, KY 41018-1155 |
| Document Number | 0000000352 |
|---|---|
| Date | Sep 19, 2019 |
| Book Page | 0C6758/000200 |
| Instrument | 352 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 18, 2049 |
| Rate | 4.37% |
|---|
The 2025 property tax bill for 3372 Spruce Tree Ln was $1,642.
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 | $165,700 (-) Land $25,000 Building $140,700 | $165,700 (-) Land $25,000 Building $140,700 | |
| 2025 | $1,642.00 | $165,700 Land $25,000 Building $140,700 | $165,700 Land $25,000 Building $140,700 |
| 2023 | $1,766.00 | $165,700 Land $25,000 Building $140,700 | $165,700 Land $25,000 Building $140,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3372 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 3372 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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