Kenton County property record for 3925 Spire Cir, Erlanger, KY 41018
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,599 sqft · built 2002 |
| Owner | 2 Individual Names on Record |
| Last Sale | $139,000 (May 2019) |
| Tax Bill | $2,477 (2025) |
| Deeds & Mortgages | Mar 2024 Transfer Jan 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 831-00-06-120.02 |
| Primary APN | 831-00-06-120.02 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,599 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Combination |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 3925 SPIRE CIR |
|---|---|
| City | ERLANGER |
| State | KY |
| Zip | 41018-3876 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | HURSTBOURNE @ LAKEMONT PHASE V UNIT 120B |
| Legal Subdivision | HURSTBOURNE @ LAKEMONT |
| Legal Phase | 5 |
| Legal Lot Number | 120B |
| Legal Unit | 120B |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3925 SPIRE CIR, ERLANGER, KY 41018-3876 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2024 | Intrafamily Transfer, Transfer |
| Jan 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Jul 11, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| May 15, 2019 | Warranty Deed, Transfer · Line of Credit STATE CHARTERED BK |
| Jun 15, 2018 | Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2019 · Amount on Record |
| Deed Sale | May 15, 2019 · Amount on Record |
| Prior Sale | Jun 15, 2018 · Amount on Record |
| Deed Document Number | 201905 15 059 00013 |
| Deed Book / Page | 4263 / 29 |
| Last Transfer Date | Mar 22, 2024 |
| Transfer Doc | 0005900165 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 25, 2024 |
| Property Address | 3925 SPIRE CIR # 120B, 120B, ERLANGER, KY 41018-3876 |
| Document Number | 0005900165 |
| Book / Page | KC 276 / 145 |
| Map Reference | SL A-490-A-492 |
| Instrument Date | Mar 22, 2024 |
| Instrument | 24032505900165 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3925 SPIRE CIR, ERLANGER, KY 41018-3876 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3925 SPIRE CIR, ERLANGER, KY 41018-3876 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3925 SPIRE CIR # 120B, 120B, ERLANGER, KY 41018-3876 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2023 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0005900193 |
|---|---|
| Date | Jan 31, 2022 |
| Book Page | 332/713 |
| Instrument | 22013105900193 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3925 SPIRE CIR # 120B, 120B, ERLANGER, KY 41018-3876 |
| Document Number | 0000000228 |
| Instrument Date | Jul 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3925 SPIRE CIR ERLANGER KY 410183876, ERLANGER, KY 41018-3876 |
| Document Number | 0000000228 |
|---|---|
| Date | Aug 20, 2020 |
| Book Page | 000M86/000116 |
| Instrument | 228 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 19, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 15, 2019 |
| Property Address | 3925 SPIRE CIR # 120B, 120B, ERLANGER, KY 41018-3876 |
| Document Number | 0000000013 |
| Book / Page | 0I4263 / 000029 |
| Instrument Date | May 10, 2019 |
| Instrument | 13 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2019 |
| Title Company | BRIDGE TRUST TITLE GROUP, BRIDGE TR TITLE GRP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $139.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3925 SPIRE CIR ERLANGER KY 410183876, ERLANGER, KY 41018-3876 |
| Document Number | 14 |
|---|---|
| Date | May 15, 2019 |
| Book Page | 0I4263/000031 |
| Instrument | 14 |
| Name | STATE CHARTERED BK |
|---|---|
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 14, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 15, 2018 |
| Property Address | 3925 SPIRE CIR # 120B, 120B, ERLANGER, KY 41018-3876 |
| Document Number | 0000000030 |
| Book / Page | 0I4120 / 000126 |
| Instrument Date | Jun 12, 2018 |
| Instrument | 30 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2018 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $135.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3928 SPIRE CIR ERLANGER KY 410183875, ERLANGER, KY 41018-3875 |
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 | $250,000 (-) Building $250,000 | $250,000 (-) Building $250,000 | |
| 2025 | $2,477.00 (+22.32%) | $250,000 (+31.58%) Building $250,000 | $250,000 (+31.58%) Building $250,000 |
| 2023 | $2,025.00 | $190,000 Building $190,000 | $190,000 Building $190,000 |
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 |
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