3377 Spruce Tree Ln, Erlanger, KY 41018 Property Records

Kenton County property record for 3377 Spruce Tree Ln, Erlanger, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,298 sqft · built 2005
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$141,340 (Mar 2005)
Tax Bill	$1,923 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`002-40-03-017.00`

Property Details

APN / Parcel Number

Primary APN	`002-40-03-017.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,298 sqft Finished Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3377 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 17
Legal Subdivision	CHERRY HILL
Legal Phase	2
Legal Lot Number	17
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3056
Census Tract	67200

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3377 SPRUCE TREE LN, ERLANGER, KY 41018-1158
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2005 · Amount on Record
Deed Sale	Mar 2, 2005 · Amount on Record
Prior Sale	Feb 13, 2004 · Amount on Record
Deed Document Number	200503 02 059 00013
Deed Book / Page	2516 / 139
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3377 SPRUCE TREE LN, ERLANGER, KY 41018-1158
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900134
Date	Jul 20, 2021
Book Page	244/370
Instrument	21072005900134

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Erlanger City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$194,100 (-) Land $25,000 Building $169,100	$194,100 (-) Land $25,000 Building $169,100
2025	$1,923.00 (-7.06%)	$194,100 (-) Land $25,000 Building $169,100	$194,100 (-) Land $25,000 Building $169,100
2023	$2,069.00	$194,100 Land $25,000 Building $169,100	$194,100 Land $25,000 Building $169,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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