Kenton County property record for 3389 Spruce Tree Ln, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,406 sqft · built 2005 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $210,000 (Sep 2021) |
| Tax Bill | $2,081 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Sep 2021 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-40-03-011.00 |
| Primary APN | 002-40-03-011.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,406 sqft Finished Area |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3389 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 11 |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3056 |
| Census Tract | 67200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 33 W ONTARIO ST, 17H, CHICAGO, IL 60654-7763 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage DOMINION FINANCIAL SERVICES 3 LLC |
| Sep 27, 2021 | Intrafamily Transfer, Transfer AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Jul 20, 2021 | Warranty Deed, Transfer |
| Sep 27, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Jul 20, 2021 | Correction Deed |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 2021 · Amount on Record |
| Deed Sale | Sep 27, 2021 · Amount on Record |
| Prior Sale | Jul 20, 2021 · Amount on Record |
| Deed Document Number | 20215900145 |
| Deed Book / Page | 120 / 480 |
| Prior Transfer Date | Jun 17, 2021 |
| Prior Transfer Doc | 0005900146 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 17, 2026 |
| Property Address | 3389 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0000007382 |
| Book / Page | 413 / 844 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 20267382 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NORWEST TITLE, NORTHWEST TITLE |
| Name | Verified Name |
|---|---|
| Address | 2328 FRONTIER DR, HEBRON, KY 41048-7231 |
| Document Number | 0000007382, |
|---|---|
| Date | Apr 17, 2026 |
| Book Page | 413/844 |
| Instrument | 20267382 |
| Name | DOMINION FINANCIAL SERVICES 3 LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 27, 2021 |
| Property Address | 3389 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0005900146 |
| Book / Page | 120 / 484 |
| Map Reference | SL 1969 |
| Instrument Date | Jun 17, 2021 |
| Instrument | 21092705900146 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 33 W ONTARIO ST APT 17H, 17H, CHICAGO, IL 60654-7763 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 20, 2021 |
| Property Address | 3389 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0005900393 |
| Book / Page | 105 / 167 |
| Map Reference | SL 1969 |
| Instrument Date | Jun 4, 2021 |
| Instrument | 21072005900393 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3389 SPRUCE TREE LN, 3389, ERLANGER, KY 41018-1158 |
| Name | Verified Name |
|---|---|
| Address | 13580 GROUPE DR STE 400, 400, WOODBRIDGE, VA 22192-4166 |
| Investor | Possibly a Property Investor |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 27, 2021 |
| Property Address | 3389 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0005900145 |
| Book / Page | 120 / 480 |
| Map Reference | SL 1969 |
| Instrument Date | Jun 4, 2021 |
| Instrument | 21092705900145 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | AMERICAN HOMELAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13580 GROUPE DR STE 400, 400, WOODBRIDGE, VA 22192-4166 |
| Name | Verified Name |
|---|---|
| Address | 3389 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900147 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 21092705900147 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jul 1, 2051 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 20, 2021 |
| Property Address | 3389 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0005900392 |
| Book / Page | 105 / 161 |
| Map Reference | SL 1969 |
| Instrument Date | May 19, 2021 |
| Instrument | 21072005900392 |
| Record Updated | Aug 10, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|---|
| Address | 2707 VERA CRUZ DR, 2707, VILLA HILLS, KY 41017-1070 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3389 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
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 | $205,000 (-2.38%) Land $25,000 Building $180,000 | $205,000 (-2.38%) Land $25,000 Building $180,000 | |
| 2025 | $2,081.00 (-7.02%) | $210,000 (-) Land $25,000 Building $185,000 | $210,000 (-) Land $25,000 Building $185,000 |
| 2023 | $2,238.00 | $210,000 Land $25,000 Building $185,000 | $210,000 Land $25,000 Building $185,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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