Kenton County property record for 3396 Cedar Tree Ln, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 936 sqft · built 1966 |
| Lot Size | 0.169 acres (7,372 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $186,000 (Feb 2023) |
| Tax Bill | $1,843 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-20-04-014.00 |
| Primary APN | 002-20-04-014.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 936 sqft Finished Area |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 7,372 sqft (0.169 acres) |
| Lot Dimensions | 135 ft deep x 54.5 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3396 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 136 54.52X135.22 IRREG |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 4 |
| Legal Lot Number | 136 |
| 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 | 3396 CEDAR TREE LN, ERLANGER, KY 41018-1204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage UMORTGAGE LLC |
| Aug 23, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Jun 18, 2018 | Warranty Deed, Transfer · FHA Mortgage LAND HM FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2023 · Amount on Record |
| Deed Sale | Feb 27, 2023 · Amount on Record |
| Prior Sale | Jun 18, 2018 · Amount on Record |
| Deed Document Number | 2023161 |
| Deed Book / Page | 215 / 236 |
| Prior Transfer Date | Jun 4, 2004 |
| Prior Transfer Doc | 0607059004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 27, 2023 |
| Property Address | 3396 CEDAR TREE LN, ERLANGER, KY 41018-1204 |
| Document Number | 0005900161 |
| Book / Page | KC 215 / 236 |
| Map Reference | PL 780 |
| Instrument Date | Feb 22, 2023 |
| Instrument | 23022705900161 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2023 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| 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 | 5755 ALMEDA RD UNIT 218, 218, HOUSTON, TX 77004-7780 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3396 CEDAR TREE LN, ERLANGER, KY 41018-1204 |
| Document Number | 0005900162 |
|---|---|
| Date | Feb 27, 2023 |
| Book Page | KCM 442/504 |
| Instrument | 23022705900162 |
| Name | UMORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | PHILADELPHIA, PA 19103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3396 CEDAR TREE LN, ERLANGER, KY 41018-1204 |
| Document Number | 0000000029 |
| Instrument Date | Aug 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2019 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3396 CEDAR TREE LN ERLANGER KY 410181204, ERLANGER, KY 41018-1204 |
| Document Number | 0000000029 |
|---|---|
| Date | Sep 6, 2019 |
| Book Page | 0C6746/000200 |
| Instrument | 29 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 5, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 18, 2018 |
| Property Address | 3396 CEDAR TREE LN, ERLANGER, KY 41018-1204 |
| Document Number | 0000000183 |
| Book / Page | 0C6433 / 000046 |
| Instrument Date | Jun 14, 2018 |
| Instrument | 183 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $115.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3396 CEDAR TREE LN ERLANGER KY 410181204, ERLANGER, KY 41018-1204 |
| Document Number | 184 |
|---|---|
| Date | Jun 18, 2018 |
| Book Page | 0C6433/000049 |
| Instrument | 184 |
| Name | LAND HM FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CONCORD, CA 94520 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 17, 2048 |
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 | $186,000 (-) Land $25,000 Building $161,000 | $186,000 (-) Land $25,000 Building $161,000 | |
| 2025 | $1,843.00 (+16.94%) | $186,000 (+25.76%) Land $25,000 Building $161,000 | $186,000 (+25.76%) Land $25,000 Building $161,000 |
| 2023 | $1,576.00 (+25.58%) | $147,900 (+28.61%) Land $25,000 Building $122,900 | $147,900 (+28.61%) Land $25,000 Building $122,900 |
| 2022 | $1,255.00 | $115,000 Land $25,000 Building $90,000 | $115,000 Land $25,000 Building $90,000 |
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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