3796 Luke Ln, Elsmere (Erlanger), KY 41018 Property Records

Kenton County property record for 3796 Luke Ln, Elsmere, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,040 sqft · built 1999
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Mar 2018)
Tax Bill	$2,445 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`016-20-04-035.00`

Property Details

APN / Parcel Number

Primary APN	`016-20-04-035.00`

Interior

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

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
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	3796 LUKE LN
City	ELSMERE
State	KY
Zip	41018-2705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODLIN SEC 2 LOT 35
Legal Subdivision	WOODLIN
Legal Phase	2
Legal Lot Number	35
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2006
Census Tract	63607

Owner

3796 Luke Ln is owned by an individual who bought it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	163 HARRISON ST, LA FAYETTE, KY 42254-8006
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
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 27, 2018	Grant Deed, Transfer · Conventional Mortgage KENTUCKY HSNG
Dec 21, 2017	Grant Deed, Transfer ATTORNEY ONLY
Nov 6, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2018 · Amount on File
Deed Sale	Mar 27, 2018 · Amount on File
Prior Sale	Nov 6, 2017 · Amount on File
Deed Document Number	201803 27 059 00099
Deed Book / Page	6378 / 43
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3796 LUKE LN, ELSMERE, KY 41018-2705
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900015
Date	Dec 15, 2021
Book Page	314/233
Instrument	21121505900015

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 27, 2018
Property Address	3796 LUKE LN, ELSMERE, KY 41018-2705
Document Number	0000000099
Book / Page	0C6378 / 000043
Instrument Date	Feb 26, 2018
Instrument	99
Transaction Type	Transfer
Record Updated	Apr 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 HARRISON ST LA FAYETTE KY 422548006, LA FAYETTE, KY 42254-8006

Mortgage

Document Number	101
Date	Mar 27, 2018
Book Page	0C6378/000062
Instrument	101

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 26, 2023

Mortgage

Document Number	100,
Date	Mar 27, 2018
Book Page	0C6378/000046
Instrument	100

Lender

Name	STOCKTON MTG
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2048

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 21, 2017
Property Address	3796 LUKE LN, ELSMERE, KY 41018-2705
Document Number	0000000187
Book / Page	0C6321 / 000228
Instrument Date	Nov 28, 2017
Instrument	187
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$101.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

November 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Nov 6, 2017
Property Address	3796 LUKE LN, ELSMERE, KY 41018-2705
Document Number	0000000152
Book / Page	0C6288 / 000142
Instrument Date	Oct 2, 2017
Instrument	152
Transaction Type	Foreclosure
Record Updated	Dec 8, 2017

Transaction

Amount	Amount on Record
Tax	$101.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3796 LUKE LN ELSMERE KY 410182705, ELSMERE, KY 41018-2705
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3796 Luke Ln was $2,445.

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		$205,300 (-) Land $25,000 Building $180,300	$205,300 (-) Land $25,000 Building $180,300
2025	$2,445.00	$205,300 Land $25,000 Building $180,300	$205,300 Land $25,000 Building $180,300
2023	$2,599.00	$205,300 Land $25,000 Building $180,300	$205,300 Land $25,000 Building $180,300

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

Flood

FEMA maps place 3796 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 3796 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	None beyond ember reach

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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