Kenton County property record for 3391 Spruce Tree Ln, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,334 sqft · built 2005 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Oct 2020) |
| Tax Bill | $1,882 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-40-03-010.00 |
| Primary APN | 002-40-03-010.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,334 sqft Finished Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 6,970 sqft (0.16 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 | 3391 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 10 |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 2 |
| Legal Lot Number | 10 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3056 |
| Census Tract | 67200 |
3391 Spruce Tree Ln is owned and occupied by an individual who acquired it in January 2025.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3391 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| 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 |
|---|---|
| Oct 23, 2020 | Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2020 · Amount on File |
| Deed Sale | Oct 23, 2020 · Amount on File |
| Prior Sale | Jun 23, 2011 · Amount on File |
| Deed Document Number | 20205900105 |
| Deed Book / Page | 51 / 235 |
| Last Transfer Date | Jan 29, 2025 |
| Transfer Doc | 0000000160 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 23, 2020 |
| Property Address | 3391 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0000000105 |
| Book / Page | 000051 / 000235 |
| Instrument Date | Oct 19, 2020 |
| Instrument | 105 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2020 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1221 CRESTVIEW DR HURST TX 760536311, HURST, TX 76053-6311 |
| Document Number | M1150374 |
|---|---|
| Date | Oct 23, 2020 |
| Book Page | 00M115/000374 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 22, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3391 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 00M1150374 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2020 |
| Title Company | BLUEGRASS LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3391 SPRUCE TREE LN ERLANGER KY 410181158, ERLANGER, KY 41018-1158 |
| Document Number | 00M1150374 |
|---|---|
| Date | Oct 23, 2020 |
| Book Page | 00M115/000374 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 22, 2050 |
The 2025 property tax bill for 3391 Spruce Tree Ln was $1,882.
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 | $190,000 (-) Land $25,000 Building $165,000 | $190,000 (-) Land $25,000 Building $165,000 | |
| 2025 | $1,882.00 | $190,000 Land $25,000 Building $165,000 | $190,000 Land $25,000 Building $165,000 |
| 2023 | $2,025.00 | $190,000 Land $25,000 Building $165,000 | $190,000 Land $25,000 Building $165,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3391 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 3391 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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