3908 Spire Cir, Erlanger, KY 41018 Property Records

Kenton County property record for 3908 Spire Cir, Erlanger, KY 41018

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,183 sqft · built 2009
Owner	Individual Name on File
Last Sale	$134,000 (Apr 2020)
Tax Bill	$1,659 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`831-00-06-124.03`

Property Details

APN / Parcel Number

Primary APN	`831-00-06-124.03`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,183 sqft Finished Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Condo/Apartment
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	3908 SPIRE CIR
City	ERLANGER
State	KY
Zip	41018-3875
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	HURSTBOURNE @ LAKEMONT PHASE XXVII UNIT 124C
Legal Subdivision	HURSTBOURNE @ LAKEMONT
Legal Phase	27
Legal Lot Number	C,124
Legal Unit	124C
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2023
Census Tract	63608

Owner

3908 Spire Cir, a condominium, is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3908 SPIRE CIR, ERLANGER, KY 41018-3875
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2020 · Amount on File
Deed Sale	Apr 13, 2020 · Amount on File
Prior Sale	Jul 7, 2009 · Amount on File
Deed Document Number	20205900048
Deed Book / Page	16 / 520
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 13, 2020
Property Address	3908 SPIRE CIR # 124C, 124C, ERLANGER, KY 41018-3875
Document Number	0000000048
Book / Page	000016 / 000520
Instrument Date	Mar 31, 2020
Instrument	48
Transaction Type	Transfer
Record Updated	Jun 15, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$134.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3908 SPIRE CIR ERLANGER KY 410183875, ERLANGER, KY 41018-3875

Mortgage

Document Number	49
Date	Apr 13, 2020
Book Page	000M31/000281
Instrument	49

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3908 Spire Cir was $1,659.

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		$167,500 (-) Building $167,500	$167,500 (-) Building $167,500
2025	$1,659.00	$167,500 Building $167,500	$167,500 Building $167,500
2023	$1,785.00	$167,500 Building $167,500	$167,500 Building $167,500

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

Flood

FEMA maps place 3908 Spire Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 3908 Spire Cir 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	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