Kenton County property record for 3385 Spruce Tree Ln, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,352 sqft · built 2007 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Company Name on File |
| Last Sale | $250,000 (Dec 2024) |
| Tax Bill | $2,477 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-40-03-013.00 |
| Primary APN | 002-40-03-013.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,352 sqft Finished Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3385 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 13 |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3056 |
| Census Tract | 67200 |
3385 Spruce Tree Ln is owned by a company that bought it in December 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2464 SIERRA DR, CRESCENT SPRINGS, KY 41017-4013 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| May 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage RIVER CITY MORTGAGE LLC |
| Jun 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage RIVER CTY MTG |
| Jul 14, 2020 | Warranty Deed, Transfer · FHA Mortgage RIVER CTY MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2024 · Amount on File |
| Deed Sale | Dec 19, 2024 · Amount on File |
| Prior Sale | Jul 14, 2020 · Amount on File |
| Deed Document Number | 202456 |
| Deed Book / Page | 320 / 832 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3385 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2021 |
| Title Company | COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0005900118 |
|---|---|
| Date | May 3, 2021 |
| Book Page | 210/515 |
| Instrument | 21050305900118 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45242 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3385 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0000000323 |
| Instrument Date | Jun 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3385 SPRUCE TREE LN ERLANGER KY 410181158, ERLANGER, KY 41018-1158 |
| Document Number | 0000000323 |
|---|---|
| Date | Jul 14, 2020 |
| Book Page | 000M69/000422 |
| Instrument | 323 |
| Name | RIVER CTY MTG |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45242 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 13, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 14, 2020 |
| Property Address | 3385 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0000000322 |
| Book / Page | 000031 / 000855 |
| Instrument Date | Jun 8, 2020 |
| Instrument | 322 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2020 |
| Title Company | COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $167.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3385 SPRUCE TREE LN ERLANGER KY 410181158, ERLANGER, KY 41018-1158 |
| Document Number | 323 |
|---|---|
| Date | Jul 14, 2020 |
| Book Page | 000M69/000422 |
| Instrument | 323 |
| Name | RIVER CTY MTG |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45242 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 13, 2050 |
The 2025 property tax bill for 3385 Spruce Tree Ln was $2,477.
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 | $250,000 (-) Land $25,000 Building $225,000 | $250,000 (-) Land $25,000 Building $225,000 | |
| 2025 | $2,477.00 | $250,000 Land $25,000 Building $225,000 | $250,000 Land $25,000 Building $225,000 |
| 2023 | $1,809.00 | $169,700 Land $25,000 Building $144,700 | $169,700 Land $25,000 Building $144,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3385 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 3385 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 | Direct burnable vegetation |
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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