3785 Luke Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 3785 Luke Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,040 sqft · built 1995
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Apr 2021)
Tax Bill	$2,322 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-20-04-020.00`

Property Details

APN / Parcel Number

Primary APN	`016-20-04-020.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,040 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	174 ft deep x 50 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3785 LUKE LN
City	ELSMERE
State	KY
Zip	41018-2706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLIN SEC 2 LOT 20
Legal Subdivision	WOODLIN
Legal Phase	2
Legal Lot Number	20
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3220 RIGGS AVE, ERLANGER, KY 41018-1467
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Warranty Deed, Transfer · Conventional Mortgage GOLDWATER BANK NA
Dec 26, 2019	Warranty Deed, Transfer GUARANTEED RATE
Nov 1, 2019	Deed of Trust, Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2021 · Amount on Record
Deed Sale	Apr 9, 2021 · Amount on Record
Prior Sale	Dec 26, 2019 · Amount on Record
Deed Document Number	202156958
Deed Book / Page	83 / 241
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 9, 2021
Property Address	3785 LUKE LN, ELSMERE, KY 41018-2706
Document Number	0005900090
Book / Page	83 / 241
Map Reference	MB 1694
Instrument Date	Mar 26, 2021
Instrument	21040905900090
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	ABLE TITLE AGENCY LLC, ABSOLUTE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1920 AUTUMN MAPLE DR, INDEPENDENCE, KY 41051-8446

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3220 RIGGS RD, ERLANGER, KY 41018-1467

Mortgage

Document Number	0005900091
Date	Apr 9, 2021
Instrument	21040905900091

Lender

Name	GOLDWATER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 26, 2019
Property Address	3785 LUKE LN, ELSMERE, KY 41018-2706
Document Number	0000000232
Book / Page	0C6838 / 000283
Instrument Date	Dec 20, 2019
Instrument	232
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$167.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3785 LUKE LN ELSMERE KY 410182706, ELSMERE, KY 41018-2706

Mortgage

Document Number	234
Date	Dec 26, 2019
Book Page	0C6838/000286
Instrument	234

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Mortgage

Document Number	235,
Date	Dec 26, 2019
Book Page	0C6838/000300
Instrument	235

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Dec 25, 2029

Interest

Rate	12%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3785 LUKE LN, ELSMERE, KY 41018-2706
Document Number	0000000168
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3785 LUKE LN ELSMERE KY 410182706, ELSMERE, KY 41018-2706

Mortgage

Document Number	0000000168
Date	Nov 19, 2019
Book Page	0C6806/000053
Instrument	168

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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		$195,000 (-) Land $25,000 Building $170,000	$195,000 (-) Land $25,000 Building $170,000
2025	$2,322.00 (-5.92%)	$195,000 (-) Land $25,000 Building $170,000	$195,000 (-) Land $25,000 Building $170,000
2023	$2,468.00	$195,000 Land $25,000 Building $170,000	$195,000 Land $25,000 Building $170,000

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.

Nearby Properties on Luke Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures