3764 Luke Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 3764 Luke Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 920 sqft · built 1995
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Jul 2008)
Tax Bill	$2,543 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Dec 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`016-20-04-027.00`

Property Details

APN / Parcel Number

Primary APN	`016-20-04-027.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	920 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	129 ft deep x 30 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3764 LUKE LN
City	ELSMERE
State	KY
Zip	41018-2705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLIN SEC 2 LOT 27
Legal Subdivision	WOODLIN
Legal Phase	2
Legal Lot Number	27
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2006
Census Tract	63607

Owner

3764 Luke Ln is owned and occupied by an individual who bought it in July 2008.

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

Owner of Record	Individual Name on File
Mailing Address	3764 LUKE LN, ELSMERE, KY 41018-2705
Occupancy	Owner Occupied
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

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 20, 2023	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jun 4, 2021	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA
Oct 29, 2021	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA
May 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Apr 20, 2023	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2008 · Amount on File
Deed Sale	Jul 30, 2008 · Amount on File
Prior Sale	Nov 15, 2005 · Amount on File
Deed Document Number	200807 30 059 00059
Deed Book / Page	3781 / 172
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3764 LUKE LN, ELSMERE, KY 41018-2705
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3764 LUKE LN, ELSMERE, KY 41018-2705

Mortgage

Document Number	0005900071
Date	Nov 20, 2025
Book Page	KCM 708/789
Instrument	25112005900071

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3764 LUKE LN, ELSMERE, KY 41018-2705
Transaction Type	Mortgage
Record Updated	Jan 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900158
Date	Dec 20, 2023
Book Page	KCM 515/710
Instrument	23122005900158

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3764 LUKE LN, ELSMERE, KY 41018-2705
Transaction Type	Mortgage
Record Updated	Jan 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3764 LUKE LN, ELSMERE, KY 41018-2705

Mortgage

Document Number	0005900144
Date	Jun 4, 2021
Book Page	226/285
Instrument	21060405900144

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	87 Months
Due	Sep 1, 2028

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3764 LUKE LN, ELSMERE, KY 41018-2705
Transaction Type	Mortgage
Record Updated	Jan 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3764 LUKE LN, ELSMERE, KY 41018-2705

Mortgage

Document Number	0005900296
Date	Oct 29, 2021
Book Page	293/300
Instrument	21102905900296

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	83 Months
Due	Sep 1, 2028

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3764 LUKE LN, ELSMERE, KY 41018-2705
Transaction Type	Mortgage
Record Updated	Jan 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3764 LUKE LN, ELSMERE, KY 41018-2705

Mortgage

Document Number	0005900141
Date	May 1, 2023
Book Page	KCM 457/499
Instrument	23050105900141

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3764 LUKE LN, ELSMERE, KY 41018-2705
Transaction Type	Mortgage
Record Updated	Jan 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3764 LUKE LN, ELSMERE, KY 41018-2705

Mortgage

Document Number	0005900077
Date	Apr 20, 2023
Book Page	KCM 455/175
Instrument	23042005900077

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45263

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	65 Months
Due	Sep 1, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 3764 Luke Ln was $2,543.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$213,600 (-) Land $25,000 Building $188,600	$213,600 (-) Land $25,000 Building $188,600
2025	$2,543.00	$213,600 Land $25,000 Building $188,600	$213,600 Land $25,000 Building $188,600
2023	$2,704.00	$213,600 Land $25,000 Building $188,600	$213,600 Land $25,000 Building $188,600

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

Flood

FEMA maps place 3764 Luke 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 3764 Luke 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	Direct burnable vegetation

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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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