3414 Spruce Tree Lane Erlanger KY 41018

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3414 Spruce Tree Lane

Erlanger, KY 41018

Suburb: Erlanger

$239,900

3bd

1 - 0ba

Active

This updated 3-bedroom, 1-bath ranch offers modern comforts in a stylish setting. The remodeled kitchen features granite countertops, a sleek tile backsplash, and beautiful hardwood floors. Perfect for entertaining or unwinding, the new back deck overlooks a flat, fenced-in backyard, providing an ideal outdoor retreat. All newer appliances stay with the home, making it truly turn-key. Major systems have been well-maintained, with the furnace being just 3 years old, central air 5 years, and the water heater 3 years. Don't miss this move-in-ready gem!

Directions

Donaldson To Cherry Tree To Peach Tree To Spruce Tree

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Property Details

General Information

Property Type	Residential
Style	Single Family Residence
Suburb	Erlanger
Zip Code	41018
School District	Boone Co Public
MLS#	626785

Additional Information

Levels	One
Construction	Aluminum Siding
Architecture	Ranch
Lot Dimensions	irreg
Total Acres	0
Water	Public
Sewer	Public Sewer
Foundation	Slab
Semi-Annual Taxes

Property Features

Cars	0
Parking	Driveway, On Street
Windows	Double Hung, Insulated Window(s)
Heating	Forced Air, Natural Gas
Cooling	Attic Fan, Central Air

Additional Features

Appliances	Dishwasher, Refrigerator
HOA Fee 1
HOA Fee 2
HOA Fee 3
Total Yearly HOA Fees

Room Information

	Dimensions	Level
Living	19 x 12	1
Kitchen	14 x 10	1
Family	26 x 12	1

Bedroom Information

	Dimensions	Level
Master Bedroom	13 x 10	1
Bedroom 2	10 x 8	1
Bedroom 3	13 x 10	1

Bathroom Information

	Type	Level

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Mortgage Calculator

To determine affordability and approximate loan payments, use the button below to reveal the mortage calculator. Please note that when using the form one of either the 'Down Payment Pct' or 'Amount of Loan' fields, but not both, must be set to zero to complete the calculation.

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You can calculate the mortgage loan amount from the price of the real estate by providing the down payment percentage.

If you know the mortgage amount you can afford and the cash down payment percentage required, you can calculate the affordable real estate price.

Or if you know the price of the real estate and the loan amout and enter "0" for the down payment percentage, the calculator will calculate the down payment amount and percentage.

Points, Annual Property Taxes, Annual Insurance and Private Mortgage Ins. (PMI) are all optional. If you enter values, the periodic portion of each will be calculated and shown on the schedule. Property taxes and insurance are combined under escrow.

If a borrower does not have cash to cover at least 20% of the purchase price, some lenders will require the borrower to purchase private mortgage insurance (PMI) to cover against a possible default. Premiums are typically 0.5% to 2.0% of the original loan amount. The borrower can drop the insurance coverage once the mortgage balance is less than 80% of the original purchase price. The calculator handles this automatically. (There may be other conditions as well under which the lender will no longer require PMI. One such case might be apprciation of the real estate.)

Points are charges that are normally due at closing. Borrowers (normally only in USA) may select to pay a lender "points" up front in exchange for a lower interest rate. Points are expressed in percent and are calculated on the amount borrowed. 3 points on a $200,000 mortgage equals $6,000. If the user enters points, this calculator includes their value in the summary and as part of the total payment at loan origination on the payment schedule.

The term (duration) of the loan is expressed as a number of months.

60 months = 5 years
120 months = 10 years
180 months = 15 years
240 months = 20 years
360 months = 30 years

Need more options including the ability to solve for other unknowns, change payment / compounding frequency and the ability to print an amortization schedule? Please visit, https://AccurateCalculators.com/mortgage-calculator

The data relating to the real estate for sale on this web site comes in part from the Broker Reciprocity program of the Northern Kentucky Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Comey & Shepherd Realtors are marked with the Broker Reciprocity logo or Broker Reciprocity house icon. The properties displayed may not be all the properties available through Broker Reciprocity.

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