Kenton County property record for 3789 Luke Ln, Elsmere, KY 41018
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,040 sqft · built 1995 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $265,000 (Sep 2025) |
| Tax Bill | $2,376 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-20-04-019.00 |
| Primary APN | 016-20-04-019.00 |
|---|
| 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 |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 192 ft deep x 50 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3789 LUKE LN |
|---|---|
| City | ELSMERE |
| State | KY |
| Zip | 41018-2706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODLIN SEC 2 LOT 19 |
| Legal Subdivision | WOODLIN |
| Legal Phase | 2 |
| Legal Lot Number | 19 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 63607 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3789 LUKE LN, ELSMERE, KY 41018-2706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2025 · Amount on Record |
| Deed Sale | Sep 16, 2025 · Amount on Record |
| Prior Sale | Feb 26, 2013 · Amount on Record |
| Deed Document Number | 2025091665 |
| Deed Book / Page | 363 / 599 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 16, 2025 |
| Property Address | 3789 LUKE LN, ELSMERE, KY 41018-2706 |
| Document Number | 0005900065 |
| Book / Page | KC 363 / 599 |
| Map Reference | MB 1694 |
| Instrument Date | Sep 8, 2025 |
| Instrument | 25091605900065 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2025 |
| Title Company | UNKNOWN, NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 WEBSTER RD, INDEPENDENCE, KY 41051-8730 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3789 LUKE LN, ELSMERE, KY 41018-2706 |
| Document Number | 0005900066 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | 25091605900066 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $265,000 (+32.83%) Land $25,000 Building $240,000 | $265,000 (+32.83%) Land $25,000 Building $240,000 | |
| 2025 | $2,376.00 (-2.74%) | $199,500 (-) Land $25,000 Building $174,500 | $199,500 (-) Land $25,000 Building $174,500 |
| 2024 | $2,443.00 (-3.25%) | $199,500 (-) Land $25,000 Building $174,500 | $199,500 (-) Land $25,000 Building $174,500 |
| 2023 | $2,525.00 | $199,500 Land $25,000 Building $174,500 | $199,500 Land $25,000 Building $174,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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