Kenton County property record for 3405 Apple Tree Ln, Erlanger, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,000 sqft · built 1972 |
| Lot Size | 0.171 acres (7,469 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (Mar 2024) |
| Tax Bill | $2,180 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jul 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 002-20-06-002.00 |
| Primary APN | 002-20-06-002.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,000 sqft Finished Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,469 sqft (0.171 acres) |
| Lot Dimensions | 124 ft deep x 60 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 3405 APPLE TREE LN |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-1101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHERRY HILL SEC 9 LOT 470 60X124.48 IRREG |
| Legal Subdivision | CHERRY HILL |
| Legal Phase | 9 |
| Legal Lot Number | 470 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3066 |
| Census Tract | 67200 |
3405 Apple Tree Ln is owned by two individuals who bought it in March 2024.
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4250 LAFAYETTE CT, ERLANGER, KY 41018-1506 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 8, 2024 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jul 13, 2022 | Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD BANK NA |
| Feb 22, 2018 | Grant Deed, Transfer · Conventional with PMI * OTHER INSTITUTIONAL LENDERS |
| Nov 1, 2017 | Grant Deed, Transfer BRIDGETRUST TITLE GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2024 · Amount on File |
| Deed Sale | Mar 8, 2024 · Amount on File |
| Prior Sale | Jul 13, 2022 · Amount on File |
| Deed Document Number | 2024150 |
| Deed Book / Page | 273 / 357 |
| Prior Transfer Date | Sep 29, 2016 |
| Prior Transfer Doc | 0000000232 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3405 APPLE TREE LN, ERLANGER, KY 41018-1101 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 4250 LAFAYETTE CT, EDGEWOOD, KY 41018-1506 |
| Document Number | 0005900151 |
|---|---|
| Date | Mar 8, 2024 |
| Book Page | KCM 531/707 |
| Instrument | 24030805900151 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 13, 2022 |
| Property Address | 3405 APPLE TREE LN, ERLANGER, KY 41018-1101 |
| Document Number | 0005900004 |
| Book / Page | 176 / 615 |
| Map Reference | PL 913 |
| Instrument Date | Jul 8, 2022 |
| Instrument | 22071305900004 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | COSMOPOLITAN TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 403 SAINT JUDE CIR, 403, FLORENCE, KY 41042-2512 |
| Name | Verified Name |
|---|---|
| Address | 3405 APPLE TREE LN, ERLANGER, KY 41018-1101 |
| Document Number | 0005900005 |
|---|---|
| Date | Jul 13, 2022 |
| Instrument | 22071305900005 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Number | 0005900006 |
|---|---|
| Date | Jul 13, 2022 |
| Book Page | 388/310 |
| Instrument | 22071305900006 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 22, 2018 |
| Property Address | 3405 APPLE TREE LN, ERLANGER, KY 41018-1101 |
| Document Number | 0000000018 |
| Book / Page | 0C6358 / 000156 |
| Instrument Date | Feb 13, 2018 |
| Instrument | 18 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2018 |
| Title Company | COSMOPOLITAN TITLE CORPORATION |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $134.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3405 APPLE TREE LN ERLANGER KY 410181101, ERLANGER, KY 41018-1101 |
| Document Number | 19 |
|---|---|
| Date | Feb 22, 2018 |
| Book Page | 0C6358/000159 |
| Instrument | 19 |
| Name | * OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45247 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 21, 2048 |
| Document Number | 1, |
|---|---|
| Date | Feb 22, 2018 |
| Book Page | 0C6359/000027 |
| Instrument | 1 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Feb 21, 2023 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 1, 2017 |
| Property Address | 3405 APPLE TREE LN, ERLANGER, KY 41018-1101 |
| Document Number | 0000000170 |
| Book / Page | 0C6285 / 000091 |
| Instrument Date | Oct 30, 2017 |
| Instrument | 170 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2017 |
| Title Company | BRIDGETRUST TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Tax | $68.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 101 N CHERRY ST #4TH WINSTON SALEM NC 271014013, 4TH, WINSTON SALEM, NC 27101-4013 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 3405 Apple Tree Ln was $2,180.
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 | $220,000 (-) Land $25,000 Building $195,000 | $220,000 (-) Land $25,000 Building $195,000 | |
| 2025 | $2,180.00 | $220,000 Land $25,000 Building $195,000 | $220,000 Land $25,000 Building $195,000 |
| 2023 | $1,972.00 | $185,000 Land $25,000 Building $160,000 | $185,000 Land $25,000 Building $160,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3405 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 risk around 3405 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.
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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