Kenton County property record for 3905 Spire Cir, Erlanger, KY 41018
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,541 sqft · built 2008 |
| Owner | Individual Name on Record |
| Last Sale | $248,000 (Apr 2026) |
| Tax Bill | $2,051 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 831-00-06-122.07 |
| Primary APN | 831-00-06-122.07 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,541 sqft Finished Area |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Combination |
| Foundation Type | Slab (Mat/Raft) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 3905 SPIRE CIR |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-3876 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | HURSTBOURNE @ LAKEMONT PHASE XX UNIT 122G OAKFIELD |
| Legal Subdivision | HURSTBOURNE @ LAKEMONT |
| Legal Phase | 20 |
| Legal Lot Number | 122G |
| Legal Unit | 122G |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 63608 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3721 BROOKSIDE DR, A, ERLANGER, KY 41018-3096 |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Mar 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| Apr 1, 2026 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Jan 29, 2026 | Warranty Deed, Transfer LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN |
| Apr 30, 2019 | Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC |
| Jun 14, 2017 | Warranty Deed, Transfer · Conventional with PMI OTHER INSTITUTIONAL LENDERS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2026 · Amount on Record |
| Deed Sale | Apr 1, 2026 · Amount on Record |
| Prior Sale | Jan 29, 2026 · Amount on Record |
| Deed Document Number | 20266599 |
| Deed Book / Page | 409 / 715 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3905 SPIRE CIR, ERLANGER, KY 41018-3876 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0005900237 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 188/58 |
| Instrument | 21032305900237 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 1, 2026 |
| Property Address | 3905 SPIRE CIR, ERLANGER, KY 41018-3876 |
| Document Number | 0000006599 |
| Book / Page | 409 / 715 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 20266599 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25,048.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000006600, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 202604016600 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 29, 2026 |
| Property Address | 3905 SPIRE CIR, ERLANGER, KY 41018-3876 |
| Document Number | 0000001764 |
| Book / Page | 387 / 258 |
| Map Reference | MB I PG 62 |
| Instrument Date | Jan 16, 2026 |
| Instrument | 26059000001764 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2026 |
| Title Company | LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN |
| Amount | Amount Recorded |
|---|---|
| Tax | $165.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6521 SPERTI LN, BURLINGTON, KY 41005-7745 |
| Name | Verified Name |
|---|---|
| Address | 6048 BRIDGETOWN RD, CINCINNATI, OH 45248-3021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 30, 2019 |
| Property Address | 3905 SPIRE CIR # 122G, 122G, ERLANGER, KY 41018-3876 |
| Document Number | 0000000252 |
| Book / Page | 004256 / 000147 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 252 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $138.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3905 SPIRE CIR ERLANGER KY 410183876, ERLANGER, KY 41018-3876 |
| Document Number | 253 |
|---|---|
| Date | Apr 30, 2019 |
| Book Page | 0I4256/000150 |
| Instrument | 253 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 29, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 14, 2017 |
| Property Address | 3905 SPIRE CIR # 122G, 122G, ERLANGER, KY 41018-3876 |
| Document Number | 0000000122 |
| Book / Page | 0I3955 / 000064 |
| Instrument Date | Jun 9, 2017 |
| Instrument | 122 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $127.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3905 SPIRE CIR ERLANGER KY 410183876, ERLANGER, KY 41018-3876 |
| Document Number | 123 |
|---|---|
| Date | Jun 14, 2017 |
| Book Page | 0I3955/000068 |
| Instrument | 123 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45247 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 13, 2047 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Erlanger City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $207,000 (-) Building $207,000 | $207,000 (-) Building $207,000 | |
| 2025 | $2,051.00 (-7.03%) | $207,000 (-) Building $207,000 | $207,000 (-) Building $207,000 |
| 2023 | $2,206.00 | $207,000 Building $207,000 | $207,000 Building $207,000 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
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.
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 149 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures