Kenton County property record for 3392 Cedar Tree Ln, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 962 sqft · built 1966 |
| Lot Size | 0.179 acres (7,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (Jul 2020) |
| Tax Bill | $814 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-20-04-012.00 |
| Primary APN | 002-20-04-012.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 962 sqft Finished Area |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,800 sqft (0.179 acres) |
| Lot Dimensions | 143 ft deep x 54.5 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3392 CEDAR TREE LN |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHERRY HILL SEC 4 LOT 134 54.51X143.80 IRREG |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 4 |
| Legal Lot Number | 134 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3056 |
| Census Tract | 67200 |
3392 Cedar Tree Ln is owned and occupied by two individuals who bought it in July 2020.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3392 CEDAR TREE LN, ERLANGER, KY 41018-1204 |
| 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 |
|---|---|
| Apr 26, 2023 | Deed of Trust, Mortgage · Line of Credit L&N FCU |
| Jul 7, 2020 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS |
| Jul 9, 2020 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2020 · Amount on File |
| Deed Sale | Jul 9, 2020 · Amount on File |
| Prior Sale | Oct 19, 2015 · Amount on File |
| Deed Document Number | 20205900239 |
| Deed Book / Page | 31 / 155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3392 CEDAR TREE LN, ERLANGER, KY 41018-1204 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2023 |
| Title Company | BRIDGE TRUST TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0005900163 |
|---|---|
| Date | Apr 26, 2023 |
| Book Page | KCM 456/630 |
| Instrument | 23042605900163 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 25, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3392 CEDAR TREE LN, ERLANGER, KY 41018-1204 |
| Document Number | 0000000240 |
| Instrument Date | Jul 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2020 |
| Title Company | INDIANA LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3392 CEDAR TREE LN ERLANGER KY 410181204, ERLANGER, KY 41018-1204 |
| Document Number | 0000000240 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 000M67/000830 |
| Instrument | 240 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 8, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 9, 2020 |
| Property Address | 3392 CEDAR TREE LN, ERLANGER, KY 41018-1204 |
| Document Number | 0000000240 |
| Book / Page | 000031 / 000155 |
| Instrument Date | Jul 1, 2020 |
| Instrument | 240 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2020 |
| Title Company | INDIANA LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $105.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3392 CEDAR TREE LN ERLANGER KY 410181204, ERLANGER, KY 41018-1204 |
| Document Number | 0000000240 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 000M67/000830 |
| Instrument | 240 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 8, 2050 |
The 2025 property tax bill for 3392 Cedar Tree Ln was $814 with a homeowner's exemption.
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 | $131,300 (-) Land $25,000 Building $106,300 | $131,300 (-) Land $25,000 Building $106,300 | |
| 2025 | $814.00 Homeowner's exemption | $131,300 Land $25,000 Building $106,300 | $131,300 Land $25,000 Building $106,300 |
| 2023 | $1,399.00 | $131,300 Land $25,000 Building $106,300 | $131,300 Land $25,000 Building $106,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3392 Cedar 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 3392 Cedar 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 | None beyond ember reach |
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 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 |
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