3379 Spruce Tree Ln, Erlanger, KY 41018 Property Records

Kenton County property record for 3379 Spruce Tree Ln, Erlanger, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,342 sqft · built 2005
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$212,000 (Aug 2021)
Tax Bill	$1,614 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`002-40-03-016.00`

Property Details

APN / Parcel Number

Primary APN	`002-40-03-016.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,342 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	3379 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 16
Legal Subdivision	CHERRY HILL
Legal Phase	2
Legal Lot Number	16
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3379 SPRUCE TREE LN, ERLANGER, KY 41018-1158
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2021	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Aug 1, 2017	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE
Aug 4, 2017	Warranty Deed, Transfer GUARANTEED RATE
Aug 4, 2017	Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2021 · Amount on Record
Deed Sale	Aug 24, 2021 · Amount on Record
Prior Sale	Aug 4, 2017 · Amount on Record
Deed Document Number	20215900166
Deed Book / Page	113 / 292
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 24, 2021
Property Address	3379 SPRUCE TREE LN, ERLANGER, KY 41018-1158
Document Number	0005900166
Book / Page	113 / 292
Map Reference	SL 1969
Instrument Date	Aug 17, 2021
Instrument	21082405900166
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3001 SUNDANCE BLVD, 3001, BURLINGTON, KY 41005-7347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3379 SPRUCE TREE LN, ERLANGER, KY 41018-1158

Mortgage

Document Number	0005900167
Date	Aug 24, 2021
Book Page	261/583
Instrument	21082405900167

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3379 SPRUCE TREE LN, ERLANGER, KY 41018-1158
Document Number	0000000141
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2017
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3379 SPRUCE TREE LN ERLANGER KY 410181158, ERLANGER, KY 41018-1158

Mortgage

Document Number	0000000141
Date	Jun 4, 2017
Book Page	ORC621/000100
Instrument	141

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2047

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 4, 2017
Property Address	3379 SPRUCE TREE LN, ERLANGER, KY 41018-1158
Document Number	0000000140
Book / Page	0C6218 / 000098
Instrument Date	Jul 28, 2017
Instrument	140
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$164.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3379 SPRUCE TREE LN ERLANGER KY 410181158, ERLANGER, KY 41018-1158

Mortgage

Document Number	141
Date	Aug 4, 2017
Book Page	0C6218/000100
Instrument	141

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2047

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 4, 2017
Property Address	3379 SPRUCE TREE LN, ERLANGER, KY 41018-1158
Document Number	0000000139
Book / Page	006218 / 000096
Instrument Date	May 22, 2017
Instrument	139
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$164.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	16346 AIRPORT CIR AURORA CO 800111558, AURORA, CO 80011-1558
Investor	Possibly a Property Investor

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		$212,000 (-) Land $25,000 Building $187,000	$212,000 (-) Land $25,000 Building $187,000
2025	$1,614.00 (-28.55%) Homeowner's exemption	$212,000 (-) Land $25,000 Building $187,000	$212,000 (-) Land $25,000 Building $187,000
2023	$2,259.00	$212,000 Land $25,000 Building $187,000	$212,000 Land $25,000 Building $187,000

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	Direct burnable vegetation

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 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

3379 Spruce Tree Ln, Erlanger, KY 41018 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Spruce Tree Ln

Nearby Streets

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