3772 Luke Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 3772 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	2 Individual Names on File
Last Sale	$134,000 (Nov 2016)
Tax Bill	$2,341 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-20-04-029.00`

Property Details

APN / Parcel Number

Primary APN	`016-20-04-029.00`

Interior

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

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	129 ft deep x 66 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	3772 LUKE LN
City	ELSMERE
State	KY
Zip	41018-2705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLIN SEC 2 LOT 29
Legal Subdivision	WOODLIN
Legal Phase	2
Legal Lot Number	29
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2006
Census Tract	63607

Owner

3772 Luke Ln is owned and occupied by two individuals who bought it in November 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	3772 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
Jan 17, 2024	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jun 7, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2016 · Amount on File
Deed Sale	Nov 2, 2016 · Amount on File
Prior Sale	Jan 21, 2011 · Amount on File
Deed Document Number	201611 02 059 00144
Deed Book / Page	6022 / 58
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3772 LUKE LN, ELSMERE, KY 41018-2705
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3772 LUKE LN, ELSMERE, KY 41018-2705

Mortgage

Document Number	0005900139
Date	Jan 17, 2024
Book Page	KCM 520/724
Instrument	24011705900139

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3772 LUKE LN, ELSMERE, KY 41018-2705
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900071
Date	Jun 7, 2022
Book Page	377/251
Instrument	22060705900071

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48227

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3772 Luke Ln was $2,341.

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		$196,600 (-) Land $25,000 Building $171,600	$196,600 (-) Land $25,000 Building $171,600
2025	$2,341.00	$196,600 Land $25,000 Building $171,600	$196,600 Land $25,000 Building $171,600
2023	$2,488.00	$196,600 Land $25,000 Building $171,600	$196,600 Land $25,000 Building $171,600

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

Flood

FEMA maps place 3772 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 3772 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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