3907 Spire Cir, Erlanger, KY 41018 Property Records

Kenton County property record for 3907 Spire Cir, Erlanger, KY 41018

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,307 sqft · built 2007
Owner	2 Individual Names on Record
Last Sale	$200,000 (May 2022)
Tax Bill	$1,495 (2025)
Deeds & Mortgages	Jul 2022 Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`831-00-06-122.08`

Property Details

APN / Parcel Number

Primary APN	`831-00-06-122.08`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,307 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Condo/Apartment
Exterior Material	Combination
Foundation Type	Slab (Mat/Raft)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	3907 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 122H ASPEN
Legal Subdivision	HURSTBOURNE @ LAKEMONT
Legal Phase	20
Legal Lot Number	122H
Legal Unit	122H
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2023
Census Tract	63608

Owner

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	3907 SPIRE CIR, ERLANGER, KY 41018-3876
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
May 2, 2022	Warranty Deed, Transfer
Jan 20, 2021	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2022 · Amount on Record
Deed Sale	May 2, 2022 · Amount on Record
Prior Sale	Jul 3, 2007 · Amount on Record
Deed Document Number	202235
Deed Book / Page	162 / 759
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3907 SPIRE CIR # 122H, 122H, ERLANGER, KY 41018-3876
Transaction Type	Mortgage
Record Updated	Jan 10, 2023
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900079
Date	Jul 8, 2022
Book Page	386/729
Instrument	22070805900079

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.5%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 2, 2022
Property Address	3907 SPIRE CIR # 122H, 122H, ERLANGER, KY 41018-3876
Document Number	0005900035
Book / Page	162 / 759
Map Reference	MB I-592 PG 161
Instrument Date	Apr 27, 2022
Instrument	22050205900035
Transaction Type	Transfer
Record Updated	Jan 10, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3907 SPIRE CIR, ERLANGER, KY 41018-3876

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3907 SPIRE CIR, ERLANGER, KY 41018-3876

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 20, 2021
Property Address	3907 SPIRE CIR # 122H, 122H, ERLANGER, KY 41018-3876
Document Number	0000000125
Book / Page	000067 / 000313
Instrument Date	Jan 13, 2021
Instrument	125
Transaction Type	Transfer
Record Updated	Mar 8, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3907 SPIRE CIR ERLANGER KY 410183876, ERLANGER, KY 41018-3876

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		$200,000 (-) Building $200,000	$200,000 (-) Building $200,000
2025	$1,495.00 (-8.67%) Homeowner's exemption	$200,000 (-) Building $200,000	$200,000 (-) Building $200,000
2023	$1,637.00 Homeowner's exemption	$200,000 Building $200,000	$200,000 Building $200,000

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 · 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.

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 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

3907 Spire Cir, Erlanger, KY 41018 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Spire Cir

Nearby Streets

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