3765 Luke Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 3765 Luke Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,040 sqft · built 1996
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$134,900 (Apr 2019)
Tax Bill	$2,391 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-20-04-025.00`

Property Details

APN / Parcel Number

Primary APN	`016-20-04-025.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,040 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	112 ft deep x 31 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3765 LUKE LN
City	ELSMERE
State	KY
Zip	41018-2706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLIN SEC 2 LOT 25
Legal Subdivision	WOODLIN
Legal Phase	2
Legal Lot Number	25
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2006
Census Tract	63607

Owner

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	3765 LUKE LN, ELSMERE, KY 41018-2706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage POLARIS HM FNDG
Apr 1, 2019	Warranty Deed, Transfer · Conventional Mortgage POLARIS HM FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2019 · Amount on Record
Deed Sale	Apr 1, 2019 · Amount on Record
Prior Sale	Oct 21, 2013 · Amount on Record
Deed Document Number	201904 01 059 00226
Deed Book / Page	6629 / 208
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3765 LUKE LN, ELSMERE, KY 41018-2706
Document Number	0000000112
Instrument Date	Aug 17, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3765 LUKE LN ELSMERE KY 410182706, ELSMERE, KY 41018-2706

Mortgage

Document Number	0000000112
Date	Aug 25, 2020
Book Page	000M88/000040
Instrument	112

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 1, 2019
Property Address	3765 LUKE LN, ELSMERE, KY 41018-2706
Document Number	0000000226
Book / Page	0C6629 / 000208
Instrument Date	Mar 29, 2019
Instrument	226
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	NORTHEAST TITLE COMPANY, NORTHEAST TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$134.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3765 LUKE LN ELSMERE KY 410182706, ELSMERE, KY 41018-2706

Mortgage

Document Number	227
Date	Apr 1, 2019
Book Page	0C6629/000210
Instrument	227

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2049

Interest

Rate Type	Adjustable Rate
Rate	9.25%

Tax Assessment & Valuation

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		$200,800 (-) Land $25,000 Building $175,800	$200,800 (-) Land $25,000 Building $175,800
2025	$2,391.00 (-5.94%)	$200,800 (-) Land $25,000 Building $175,800	$200,800 (-) Land $25,000 Building $175,800
2023	$2,542.00	$200,800 Land $25,000 Building $175,800	$200,800 Land $25,000 Building $175,800

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

Flood

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

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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