Kenton County property record for 3395 Spruce Tree Ln, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,147 sqft · built 2004 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $139,500 (Jun 2018) |
| Tax Bill | $1,902 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jun 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-40-03-008.00 |
| Primary APN | 002-40-03-008.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,147 sqft Finished Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Lot Area | 6,534 sqft (0.15 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 | 3395 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 8 |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 2 |
| Legal Lot Number | 8 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 3395 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK |
| Jun 14, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SVGS BK |
| Dec 8, 2017 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2018 · Amount on Record |
| Deed Sale | Jun 14, 2018 · Amount on Record |
| Prior Sale | Dec 8, 2017 · Amount on Record |
| Deed Document Number | 201806 14 059 00214 |
| Deed Book / Page | 6431 / 219 |
| Prior Transfer Date | Jun 7, 2018 |
| Prior Transfer Doc | 0005900214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3395 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0000000142 |
| Instrument Date | May 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 3395 SPRUCE TREE LN ERLANGER KY 410181158, ERLANGER, KY 41018-1158 |
| Document Number | 0000000142 |
|---|---|
| Date | Jun 3, 2020 |
| Book Page | 000M52/000558 |
| Instrument | 142 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 2, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 14, 2018 |
| Property Address | 3395 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0000000214 |
| Book / Page | 0C6431 / 000219 |
| Instrument Date | Jun 7, 2018 |
| Instrument | 214 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2018 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $139.50 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3395 SPRUCE TREE LN ERLANGER KY 410181158, ERLANGER, KY 41018-1158 |
| Document Number | 215 |
|---|---|
| Date | Jun 14, 2018 |
| Book Page | 0C6431/000222 |
| Instrument | 215 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 13, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 8, 2017 |
| Property Address | 3395 SPRUCE TREE LN, ERLANGER, KY 41018-1158 |
| Document Number | 0000000111 |
| Book / Page | 0C6312 / 000205 |
| Instrument Date | Dec 5, 2017 |
| Instrument | 111 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Tax | $139.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 407 COACH LIGHT DR EDGEWOOD KY 410173209, EDGEWOOD, KY 41017-3209 |
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 | $192,000 (-) Land $25,000 Building $167,000 | $192,000 (-) Land $25,000 Building $167,000 | |
| 2025 | $1,902.00 (-7.04%) | $192,000 (-) Land $25,000 Building $167,000 | $192,000 (-) Land $25,000 Building $167,000 |
| 2023 | $2,046.00 | $192,000 Land $25,000 Building $167,000 | $192,000 Land $25,000 Building $167,000 |
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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