3398 Apple Tree Ln, Erlanger, KY 41018 Property Records

Kenton County property record for 3398 Apple Tree Ln, Erlanger, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,036 sqft · built 1972
Lot Size	0.239 acres (10,419 sqft)
Owner	2 Individual Names on File
Last Sale	$88,000 (Dec 2017)
Tax Bill	$1,772 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`002-20-05-026.00`

Property Details

APN / Parcel Number

Primary APN	`002-20-05-026.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,036 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,419 sqft (0.239 acres)
Lot Dimensions	145 ft deep x 55.3 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3398 APPLE TREE LN
City	ERLANGER
State	KY
Zip	41018-1202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHERRY HILL SEC 9 LOT 463 55.27X145.13 IRREG
Legal Subdivision	CHERRY HILL
Legal Phase	9
Legal Lot Number	463
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3065
Census Tract	67200

Owner

3398 Apple Tree Ln is owned by two individuals who bought it in December 2017.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8435 WINTERGREEN CT, FLORENCE, KY 41042-9504
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2017 · Amount on File
Deed Sale	Dec 13, 2017 · Amount on File
Deed Document Number	201712 13 059 00143
Deed Book / Page	6315 / 80
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 13, 2017
Property Address	3398 APPLE TREE LN, ERLANGER, KY 41018-1202
Document Number	0000000143
Book / Page	0C6315 / 000080
Instrument Date	Dec 11, 2017
Instrument	143
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8435 WINTERGREEN CT FLORENCE KY 410429504, FLORENCE, KY 41042-9504

Mortgage

Document Number	144
Date	Dec 13, 2017
Book Page	0C6315/000083
Instrument	144

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	GRANDVILLE, MI 49418

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 12, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 3398 Apple Tree Ln was $1,772.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Erlanger City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$178,900 (-) Land $25,000 Building $153,900	$178,900 (-) Land $25,000 Building $153,900
2025	$1,772.00	$178,900 Land $25,000 Building $153,900	$178,900 Land $25,000 Building $153,900
2023	$1,907.00	$178,900 Land $25,000 Building $153,900	$178,900 Land $25,000 Building $153,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3398 Apple 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

Wildfire risk around 3398 Apple 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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