Kenton County property record for 3397 Apple Tree Ln, Erlanger, KY 41018
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 1,247 sqft · built 1972 |
| Lot Size | 0.206 acres (9,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,400 (Oct 2020) |
| Tax Bill | $2,048 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Feb 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-20-06-006.00 |
| Primary APN | 002-20-06-006.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Building Area | 1,247 sqft Finished Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 9,000 sqft (0.206 acres) |
| Lot Dimensions | 187 ft deep x 72.1 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3397 APPLE TREE LN |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1201 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | CHERRY HILL SEC 9 LOT 474 72.11X187.74 IRREG |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 9 |
| Legal Lot Number | 474 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3066 |
| 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 | 3397 APPLE TREE LN, ERLANGER, KY 41018-1201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2020 | Warranty Deed, Transfer GUARANTEED RATE |
| Feb 19, 2018 | Deed of Trust, Mortgage GUARDIAN SVGS BK |
| Feb 23, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SVGS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2020 · Amount on Record |
| Deed Sale | Oct 30, 2020 · Amount on Record |
| Prior Sale | Feb 23, 2018 · Amount on Record |
| Deed Document Number | 20205900087 |
| Deed Book / Page | 52 / 506 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 30, 2020 |
| Property Address | 3397 APPLE TREE LN, ERLANGER, KY 41018-1201 |
| Document Number | 0000000087 |
| Book / Page | 000052 / 000506 |
| Instrument Date | Oct 22, 2020 |
| Instrument | 87 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3397 APPLE TREE LN ERLANGER KY 410181201, ERLANGER, KY 41018-1201 |
| Document Number | 88 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 00M118/000419 |
| Instrument | 88 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3397 APPLE TREE LN, ERLANGER, KY 41018-1201 |
| Document Number | 0000000036 |
| Instrument Date | Feb 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2018 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3397 APPLE TREE LN ERLANGER KY 410181201, ERLANGER, KY 41018-1201 |
| Document Number | 0000000036 |
|---|---|
| Date | Feb 23, 2018 |
| Book Page | 0C6359/000110 |
| Instrument | 36 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 22, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 23, 2018 |
| Property Address | 3397 APPLE TREE LN, ERLANGER, KY 41018-1201 |
| Document Number | 0000000035 |
| Book / Page | 0C6359 / 000108 |
| Instrument Date | Feb 19, 2018 |
| Instrument | 35 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2019 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $138.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3397 APPLE TREE LN ERLANGER KY 410181201, ERLANGER, KY 41018-1201 |
| Document Number | 36 |
|---|---|
| Date | Feb 23, 2018 |
| Book Page | 006359/000110 |
| Instrument | 36 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 22, 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 | $206,700 (-) Land $25,000 Building $181,700 | $206,700 (-) Land $25,000 Building $181,700 | |
| 2025 | $2,048.00 (-7.04%) | $206,700 (-) Land $25,000 Building $181,700 | $206,700 (-) Land $25,000 Building $181,700 |
| 2023 | $2,203.00 | $206,700 Land $25,000 Building $181,700 | $206,700 Land $25,000 Building $181,700 |
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 | 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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