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3929 Spire Cir, Erlanger, KY 41018 Property Records

Kenton County property record for 3929 Spire Cir, Erlanger, KY 41018

Property Summary

Property TypeCondominium
Details2 bd · 2 ba · 1,219 sqft · built 2002
Owner2 Individual Names on Record
Last Sale$157,000 (Sep 2020)
Tax Bill$1,341 (2025)
Deeds & MortgagesMar 2026 Mortgage
Mar 2026 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN831-00-06-120.04

Property Details

APN / Parcel Number

Primary APN831-00-06-120.04

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,219 sqft Finished Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleCondo/Apartment
Exterior MaterialCombination
Construction TypeBrick
Foundation TypeSlab (Mat/Raft)
Roof MaterialComposition Shingle
Garage TypeAttached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric
SewerConnected

Location & Zoning

Street Address3929 SPIRE CIR
CityERLANGER
StateKY
Zip41018-3876
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionHURSTBOURNE @ LAKEMONT PHASE V UNIT 120D
Legal SubdivisionHURSTBOURNE @ LAKEMONT
Legal Phase5
Legal Lot Number120D
Legal Unit120D
JurisdictionKENTON KY
Township / Civil DivisionINDEPENDENCE
Census Block Group2
Census Block2023
Census Tract63608

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 Record2 Individual Names on Record
Mailing Address3929 SPIRE CIR, ERLANGER, KY 41018-3876
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 3, 2026Deed of Trust, Mortgage · VA Mortgage
NEW DAY FINANCIAL LLC
Mar 3, 2026Deed of Trust, Mortgage · VA Mortgage
NEW DAY FINANCIAL LLC
Sep 17, 2020Deed of Trust, Mortgage
UNITED WHOLESALE MTG
Sep 18, 2020Warranty Deed, Transfer · Conventional with PMI
UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 18, 2020 · Amount on Record
Deed SaleSep 18, 2020 · Amount on Record
Prior SaleAug 10, 2011 · Amount on Record
Deed Document Number20205900148
Deed Book / Page44 / 244
Record UpdatedOct 29, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3929 SPIRE CIR, ERLANGER, KY 41018-3876
Transaction TypeMortgage
Record UpdatedApr 16, 2026
Title CompanyAMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3929 SPIRE CIR 120D, 120D, ERLANGER, KY 41018-3876

Mortgage

Document Number0000004230
DateMar 3, 2026
Book Page393/684
Instrument26059000004230
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
AddressWEST PALM BEACH, FL 33401
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2056

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3929 SPIRE CIR, ERLANGER, KY 41018-3876
Transaction TypeMortgage
Record UpdatedMar 17, 2026
Title CompanyAMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3929 SPIRE CIR 120D, 120D, ERLANGER, KY 41018-3876

Mortgage

Document Number0000004230
DateMar 3, 2026
Book Page393/684
Instrument26059000004230
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
AddressWEST PALM BEACH, FL 33401
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2056

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3929 SPIRE CIR # 120D, 120D, ERLANGER, KY 41018-3876
Document Number0000000149
Instrument DateSep 17, 2020
Transaction TypeMortgage
Record UpdatedOct 8, 2020
Title CompanyBRIDGE TRUST TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3929 SPIRE CIR ERLANGER KY 410183876, ERLANGER, KY 41018-3876

Mortgage

Document Number0000000149
DateSep 18, 2020
Book Page000M99/000396
Instrument149
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
AmountAmount Recorded
Term360 Months
DueSep 17, 2050

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateSep 18, 2020
Property Address3929 SPIRE CIR # 120D, 120D, ERLANGER, KY 41018-3876
Document Number0000000149
Book / Page000044 / 000244
Instrument DateSep 17, 2020
Instrument149
Transaction TypeTransfer
Record UpdatedOct 22, 2020
Title CompanyBRIDGE TRUST TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$157.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3929 SPIRE CIR ERLANGER KY 410183876, ERLANGER, KY 41018-3876

Mortgage

Document Number0000000149
DateSep 18, 2020
Book Page000M99/000396
Instrument149
Lender
NameUNITED WHOLESALE MTG
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueSep 17, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityErlanger City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$184,500 (-) Building $184,500$184,500 (-) Building $184,500
2025$1,341.00 (-8.9%) Homeowner's exemption$184,500 (-) Building $184,500$184,500 (-) Building $184,500
2023$1,472.00 Homeowner's exemption$184,500 Building $184,500$184,500 Building $184,500

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 81 locations within half a mile, as of December 31, 2025

ProviderMax 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

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