Kenton County property record for 3769 Luke Ln, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,040 sqft · built 1996 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $249,900 (Jun 2026) |
| Tax Bill | $2,203 (2025) |
| Deeds & Mortgages | Aug 2024 Line of Credit Jun 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-20-04-024.00 |
| Primary APN | 016-20-04-024.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,040 sqft Finished Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 117 ft deep x 51 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3769 LUKE LN |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODLIN SEC 2 LOT 24 |
| Legal Subdivision | WOODLIN |
| Legal Phase | 2 |
| Legal Lot Number | 24 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 63607 |
Source: Kenton County records · APN 016-20-04-024.00
Assessment roll updated December 2, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3769 LUKE LN, ELSMERE, KY 41018-2706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Aug 22, 2024 | Deed of Trust, Mortgage · Line of Credit KEMBA CREDIT UNION INC |
| Jun 01, 2026 | Warranty Deed, Transfer · FHA Mortgage LOWER LLC |
| May 10, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Apr 28, 2020 | Loan Modification, Mortgage · FHA Mortgage FIRST GNTY MTG CORP |
| May 12, 2017 | Loan Modification, Mortgage · FHA Mortgage FIRST GUARANTY MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 01, 2026 · Amount on Record |
| Deed Sale | Jun 01, 2026 · Amount on Record |
| Prior Sale | May 10, 2021 · Amount on Record |
| Deed Document Number | 202611227 |
| Deed Book / Page | 439 / 153 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3769 LUKE LN, ELSMERE, KY 41018-2706 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3769 LUKE LN, ELSMERE, KY 41018-2706 |
| Document Number | 0005900027 |
|---|---|
| Date | Aug 22, 2024 |
| Book Page | KCM 576/421 |
| Instrument | 24082205900027 |
| Name | KEMBA CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | WEST CHESTER, OH 45069 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 01, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 01, 2026 |
| Property Address | 3769 LUKE LN, ELSMERE, KY 41018-2706 |
| Document Number | 0000011227 |
| Book / Page | 439 / 153 |
| Instrument Date | May 21, 2026 |
| Instrument | 202611227 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25,239.90 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 3769 LUKE LN, ELSMERE, KY 41018-2706 |
| Document Number | 0000011228, |
|---|---|
| Date | Jun 01, 2026 |
| Book Page | 439/157 |
| Instrument | 2026060111228 |
| Name | LOWER LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000011229, |
|---|---|
| Date | Jun 01, 2026 |
| Book Page | 439/178 |
| Instrument | 2026060111229 |
| Name | KENTUCKY HOUSING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 15 Months |
| Due | Jun 01, 2041 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 10, 2021 |
| Property Address | 3769 LUKE LN, ELSMERE, KY 41018-2706 |
| Document Number | 0005900240 |
| Book / Page | 89 / 511 |
| Map Reference | MB 1694 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 21051005900240 |
| Transaction Type | Transfer |
| Record Updated | Jan 05, 2024 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1172 TROOPERS XING, INDEPENDENCE, KY 41051-8238 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3769 LUKE LN, ELSMERE, KY 41018-2706 |
| Document Number | 0005900241 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 213/583 |
| Instrument | 21051005900241 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3769 LUKE LN, ELSMERE, KY 41018-2706 |
| Document Number | 0000000174 |
| Instrument Date | Apr 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 03, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 3769 LUKE LN ELSMERE KY 410182706, ELSMERE, KY 41018-2706 |
| Document Number | 0000000174 |
|---|---|
| Date | May 14, 2020 |
| Book Page | 000021/000411 |
| Instrument | 174 |
| Name | FIRST GNTY MTG CORP |
|---|---|
| Address | FARMERS BRANCH, TX 75234 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 13, 2050 |
| Rate | 4% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3769 LUKE LN, ELSMERE, KY 41018-2706 |
| Document Number | 0000000060 |
| Book / Page | 0C6168 / 000171 |
| Instrument Date | May 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 07, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3769 LUKE LN ELSMERE KY 410182706, ELSMERE, KY 41018-2706 |
| Document Number | 0000000060 |
|---|---|
| Date | May 26, 2017 |
| Book Page | 0C6168/000171 |
| Instrument | 60 |
| Name | FIRST GUARANTY MTG |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28217 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 25, 2047 |
| Rate | 4.37% |
|---|
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Kenton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,203.00 (-5.94%) | $185,000 (-) Land $25,000 Building $160,000 | $185,000 (-) Land $25,000 Building $160,000 |
| 2023 | $2,342.00 | $185,000 Land $25,000 Building $160,000 | $185,000 Land $25,000 Building $160,000 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Cincinnati Bell, Verizon.
Based on FCC filings for 301 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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