3820 Gregory Ln, Erlanger, KY 41018 Property Records

Kenton County property record for 3820 Gregory Ln, Erlanger, KY 41018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,134 sqft · built 1996
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,201 (Jul 1996)
Tax Bill	$2,610 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`016-40-00-013.75`

Property Details

APN / Parcel Number

Primary APN	`016-40-00-013.75`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,134 sqft Finished Area
Gross Area	3,626 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
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	3820 GREGORY LN
City	ERLANGER
State	KY
Zip	41018-3817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRIGHTLEAF EST SEC 2 LOT 148
Legal Subdivision	BRIGHTLEAF ESTATES
Legal Phase	2
Legal Lot Number	148
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2034
Census Tract	63608

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	2 Individual Names on Record
Mailing Address	3820 GREGORY LN, ERLANGER, KY 41018-3817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BK
Dec 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 1996 · Amount on Record
Deed Sale	Jul 2, 1996 · Amount on Record
Last Transfer Date	Jan 22, 2025
Transfer Doc	0005900143
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3820 GREGORY LN, ERLANGER, KY 41018-3817
Document Number	0000000051
Instrument Date	Oct 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 CARRIAGE HILL DR UNION KY 41091, UNION, KY 41091

Mortgage

Document Number	0000000051
Date	Nov 30, 2020
Book Page	00M132/000584
Instrument	51

Lender

Name	HERITAGE BK
Type	Bank
Address	UNION, KY 41091

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 29, 2030

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3820 GREGORY LN, ERLANGER, KY 41018-3817
Document Number	0000000051
Instrument Date	Dec 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3820 GREGORY LN ERLANGER KY 410183817, ERLANGER, KY 41018-3817

Mortgage

Document Number	0000000051
Date	Dec 30, 2019
Book Page	0I4387/000213
Instrument	51

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 29, 2034

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Erlanger City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$312,500 (-) Land $45,000 Building $267,500	$312,500 (-) Land $45,000 Building $267,500
2025	$2,610.00 (-7.97%) Homeowner's exemption	$312,500 (-) Land $45,000 Building $267,500	$312,500 (-) Land $45,000 Building $267,500
2023	$2,836.00 Homeowner's exemption	$312,500 Land $45,000 Building $267,500	$312,500 Land $45,000 Building $267,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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