1 Millstone Ct, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 1 Millstone Ct, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,528 sqft · built 1984
Owner	Individual Name on File
Last Sale	$199,900 (Mar 2024)
Tax Bill	$2,422 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Apr 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-17-809.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-17-809.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,528 sqft Living Area

Exterior

Year Built	Built 1984
Exterior Material	Combination
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Terrain	Combination
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	9999917809.00
Street Address	1 MILLSTONE CT
City	COLD SPRING
State	KY
Zip	41076-1861
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRINGHOUSE PHASE A LOT 3-F WILLIAMSTOWN MODEL ONE CAR GARAGE
Legal Subdivision	SPRINGHOUSE
Legal Phase	A
Legal Lot Number	3
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	2
Census Block	2000
Census Tract	53301

Owner

Source: Campbell County records · APN 999-99-17-809.00

Assessment roll updated April 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1 MILLSTONE CT, COLD SPRING, KY 41076-1861
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Survivorship Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Apr 26, 2022	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Mar 01, 2022	Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Feb 04, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Oct 24, 2017	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 20, 2024 · Amount on Record
Deed Sale	Mar 20, 2024 · Amount on Record
Prior Sale	Apr 26, 2022 · Amount on Record
Deed Document Number	5329041
Deed Book / Page	D859 / 660
Record Updated	Jun 08, 2026

March 2024: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CAMPBELL KY
Recording Date	Mar 20, 2024
Property Address	1 MILLSTONE CT, COLD SPRING, KY 41076-1861
Document Number	0005329041
Book / Page	D859 / 660
Map Reference	MB 10 PG 29-D
Instrument Date	Mar 19, 2024
Instrument	5329041
Transaction Type	Transfer
Record Updated	Apr 05, 2024
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32 E LAKESIDE AVE, LAKESIDE PARK, KY 41017-3182

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1 MILLSTONE CT, COLD SPRING, KY 41076-1861
Investor	Possibly a Property Investor

Mortgage

Document Number	0005329048
Date	Mar 20, 2024
Instrument	5329048

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CAMPBELL KY
Recording Date	Apr 26, 2022
Property Address	1 MILLSTONE CT, COLD SPRING, KY 41076-1861
Document Number	0005152317
Book / Page	D837 / 516
Map Reference	MB 10 PG 29-D
Instrument Date	Apr 19, 2022
Instrument	5152317
Transaction Type	Transfer
Record Updated	May 06, 2022
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$187.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 DELAWARE ST, 20, HUNTINGTON, NY 11743-3641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 MILLSTONE CT, COLD SPRING, KY 41076-1861

Mortgage

Document Number	0005152318
Date	Apr 26, 2022
Instrument	5152318

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CAMPBELL KY
Recording Date	Mar 01, 2022
Property Address	1 MILLSTONE CT, COLD SPRING, KY 41076-1861
Document Number	0005149322
Book / Page	D835 / 481
Map Reference	MB 10 PG 29-D
Instrument Date	Feb 25, 2022
Instrument	5149322
Transaction Type	Transfer
Record Updated	Mar 14, 2022
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC

Transaction

Amount	Amount Recorded
Tax	$187.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4306 CAWRETGRANS CIRCLE, 4306, CINIMITTE, OH 43252

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	20 DELAWARE ST, HUNTINGTON, NY 11743-3641

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	1 MILLSTONE CT, COLD SPRING, KY 41076-1861
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005140904
Date	Sep 28, 2021
Book Page	M2309/466
Instrument	5140904

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	1 MILLSTONE CT, COLD SPRING, KY 41076-1861
Document Number	0005105016
Instrument Date	Feb 04, 2020
Transaction Type	Mortgage
Record Updated	Mar 03, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 MILLSTONE CT COLD SPRING KY 410761861, COLD SPRING, KY 41076-1861

Mortgage

Document Number	0005105016
Date	Feb 12, 2020
Book Page	002209/000122
Instrument	5105016

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Feb 11, 2035

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Oct 24, 2017
Property Address	1 MILLSTONE CT, COLD SPRING, KY 41076-1861
Document Number	0005064512
Book / Page	000789 / 000463
Instrument Date	Oct 18, 2017
Instrument	5064512
Transaction Type	Transfer
Record Updated	Dec 12, 2017
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 MILLSTONE CT COLD SPRING KY 410761861, COLD SPRING, KY 41076-1861

Mortgage

Document Number	5064513
Date	Oct 24, 2017
Book Page	002126/000432
Instrument	5064513

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2047

Tax Assessment & Valuation

Source: Campbell County records · Assessment roll updated April 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Municipality	Cold Spring City
Unified School District	Campbell County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,422.00 (+7.93%)	$199,900 (+6.9%) Land $10,000 Building $189,900	$199,900 (+6.9%) Land $10,000 Building $189,900
2023	$2,244.00 (+49.6%)	$187,000 (+55.83%) Land $10,000 Building $177,000	$187,000 (+55.83%) Land $10,000 Building $177,000
2022	$1,500.00	$120,000 Land $10,000 Building $110,000	$120,000 Land $10,000 Building $110,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 24, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	May 2020 · river or lake flooding

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 97 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

1 Millstone Ct, Cold Spring (Newport), KY 41076 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

March 2024: Survivorship Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2022: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2022: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Millstone Ct

Nearby Streets

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