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3422 Spruce Tree Ln, Erlanger, KY 41018 Property Records

Boone County property record for 3422 Spruce Tree Ln, Erlanger, KY 41018 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 936 sqft · built 1968
OwnerIndividual Name on File
Last Sale$200,000 (Oct 2023)
Tax Bill$2,320 (2025)
Deeds & MortgagesOct 2023 Sale & Mortgage
Nov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN071.00-04-165.00

Property Details

APN / Parcel Number

Primary APN071.00-04-165.00
Alternative APN
  • 9864

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area936 sqft Finished Area

Exterior

Year BuiltBuilt 1968
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Patio Area176 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Street Address3422 SPRUCE TREE LN
CityERLANGER
StateKY
Zip41018-1118
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 165 SEC 4 CHERRY HILL (71D-93)
Legal SubdivisionCHERRY HILL SUB SEC 4
Legal Lot Number165
JurisdictionBOONE KY
Township / Civil DivisionFLORENCE
Census Block Group2
Census Block2041
Census Tract70311

Owner

Source: Boone County records · APN 071.00-04-165.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address906 AUTUMN LN, MASON, OH 45040-2824
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 24, 2023Warranty Deed, Transfer · FHA Mortgage
UNION SAVINGS BANK
Nov 24, 2020Deed of Trust, Mortgage · Conventional Mortgage
AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 24, 2023 · Amount on Record
Deed SaleOct 24, 2023 · Amount on Record
Prior SaleDec 01, 2015 · Amount on Record
Deed Document Number982768
Deed Book / PageD1212 / 883
Record UpdatedJun 08, 2026

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBOONE KY
Recording DateOct 24, 2023
Property Address3422 SPRUCE TREE LN, ERLANGER, KY 41018-1118
Document Number0D1212/883
Book / PageD1212 / 883
Map ReferenceMB 6 PG 37
Instrument DateOct 20, 2023
Instrument982768
Transaction TypeTransfer
Record UpdatedNov 08, 2023
Title CompanyPROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$200.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3422 SPRUCE TREE LN, ERLANGER, KY 41018-1118

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address906 AUTUMN LN, MASON, OH 45040-2824

Mortgage

Document Number0000982771
DateOct 24, 2023
Instrument982771
Lender
NameUNION SAVINGS BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2053

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBOONE KY
Property Address3422 SPRUCE TREE LN, ERLANGER, KY 41018-1118
Transaction TypeMortgage
Record UpdatedAug 09, 2022
Title CompanyFIRST TITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0M4379/534
DateNov 24, 2020
Book PageM4379/534
Instrument819214
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
AddressPORTAGE, MI 49002
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2050

Tax Assessment & Valuation

Source: Boone County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
CountyBoone County
Unified School DistrictBoone County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,320.00 (+66.91%)$200,000 (+73.76%) Land $20,000 Building $180,000
2024$200,000 (+73.76%) Land $20,000 Building $180,000
2023$1,390.00 (+5.22%)$115,100 (-) Land $20,000 Building $95,100$115,100 (-) Land $20,000 Building $95,100
2022$1,321.00$115,100 Land $20,000 Building $95,100$115,100 Land $20,000 Building $95,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Boone County (21015C), updated March 21, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210150703112, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 2 individual NFIP policies nearby
Nearby Flood Policies2 in force
Nearby Flood Claims5 (1997–2025)
Most Recent ClaimApr 2025, river or lake flooding, Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Flood Events
  • Severe Storm, Flooding, And Tornadoes (Mar 1997), 2 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

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