Campbell County property record for 10 Ervin Cir, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,310 sqft · built 1972 |
| Owner | 2 Individual Names on Record |
| Last Sale | $270,000 (Apr 2019) |
| Tax Bill | $3,526 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Apr 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-18-511.00 |
| Primary APN | 999-99-18-511.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,310 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Dimensions | 162 ft deep x 76 ft wide |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999918511.00 |
|---|---|
| Street Address | 10 ERVIN CIR |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-1805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 51 SEC F MADONNA ESTATES |
| Legal Subdivision | MADONNA ESTATES |
| Legal Phase | F |
| Legal Lot Number | 51 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 52900 |
Source: Campbell County records, as of March 6, 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 | 10 ERVIN CIR, COLD SPRING, KY 41076-1805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Apr 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Feb 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Mar 24, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2019 · Amount on Record |
| Deed Sale | Apr 12, 2019 · Amount on Record |
| Prior Sale | Mar 24, 2017 |
| Deed Document Number | 5089770 |
| Deed Book / Page | D333 / 775 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 10 ERVIN CIR, COLD SPRING, KY 41076-1805 |
| Document Number | 0000511087 |
| Instrument Date | May 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10 ERVIN CIR COLD SPRING KY 410761805, COLD SPRING, KY 41076-1805 |
| Document Number | 0000511087 |
|---|---|
| Date | Jun 2, 2020 |
| Book Page | 001005/000514 |
| Instrument | 511087 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Apr 12, 2019 |
| Property Address | 10 ERVIN CIR, COLD SPRING, KY 41076-1805 |
| Document Number | 0005089770 |
| Book / Page | 000333 / 000775 |
| Instrument Date | Apr 10, 2019 |
| Instrument | 5089770 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10 ERVIN CIR COLD SPRING KY 410761805, COLD SPRING, KY 41076-1805 |
| Document Number | 5089771 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | 000975/000001 |
| Instrument | 5089771 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 11, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 10 ERVIN CIR, COLD SPRING, KY 41076-1805 |
| Document Number | 0005070216 |
| Instrument Date | Feb 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Address | 10 ERVIN CIR COLD SPRING KY 410761805, COLD SPRING, KY 41076-1805 |
| Document Number | 0005070216 |
|---|---|
| Date | Mar 5, 2018 |
| Book Page | 000952/000367 |
| Instrument | 5070216 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 4, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Mar 24, 2017 |
| Property Address | 10 ERVIN CIR, COLD SPRING, KY 41076-1805 |
| Document Number | 0005054061 |
| Book / Page | 000323 / 000360 |
| Instrument Date | Jan 6, 2017 |
| Instrument | 5054061 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $230.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 ERVIN CIR COLD SPRING KY 410761805, COLD SPRING, KY 41076-1805 |
Source: Campbell County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Municipality | Cold Spring City |
| Unified School District | Campbell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,526.00 (+0.97%) | $291,000 (-) Land $60,000 Building $231,000 | $291,000 (-) Land $60,000 Building $231,000 |
| 2023 | $3,492.00 (+3.47%) | $291,000 (+7.78%) Land $60,000 Building $231,000 | $291,000 (+7.78%) Land $60,000 Building $231,000 |
| 2022 | $3,375.00 | $270,000 Land $40,000 Building $230,000 | $270,000 Land $40,000 Building $230,000 |
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 August 24, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 4 (1997–2018) |
| Most Recent Claim | Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
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 165 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| 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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