Campbell County property record for 11 Millstone Ct, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,528 sqft · built 1983 |
| Owner | Individual Name on File |
| Last Sale | $118,000 (Dec 2018) |
| Tax Bill | $1,671 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Dec 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-20-335.00 |
| Primary APN | 999-99-20-335.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,528 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Terrain | Combination |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999920335.00 |
|---|---|
| Street Address | 11 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-A 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 |
Source: Campbell County assessment roll, as of April 1, 2025
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 |
|---|---|
| Mailing Address | 11 MILLSTONE CT, COLD SPRING, KY 41076-1861 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 4, 2020 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK FSB |
| Dec 26, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Mar 31, 2017 | Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 26, 2018 · Amount on Record |
| Deed Sale | Dec 26, 2018 · Amount on Record |
| Prior Sale | Mar 31, 2017 · Amount on Record |
| Deed Document Number | 5085226 |
| Deed Book / Page | D800 / 017 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 11 MILLSTONE CT, COLD SPRING, KY 41076-1861 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005104650 |
|---|---|
| Date | Feb 4, 2020 |
| Book Page | M2208/247 |
| Instrument | 5104650 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Feb 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Dec 26, 2018 |
| Property Address | 11 MILLSTONE CT, COLD SPRING, KY 41076-1861 |
| Document Number | 0005085226 |
| Book / Page | D800 / 017 |
| Map Reference | MB 10 PG 29-D |
| Instrument Date | Dec 18, 2018 |
| Instrument | 5085226 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $118.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11 MILLSTONE CT, 11, COLD SPRING, KY 41076-1861 |
| Name | Verified Name |
|---|---|
| Address | 2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333 |
| Document Number | 0005085227 |
|---|---|
| Date | Dec 26, 2018 |
| Instrument | 5085227 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2034 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Mar 31, 2017 |
| Property Address | 11 MILLSTONE CT, COLD SPRING, KY 41076-1861 |
| Document Number | 0005054381 |
| Book / Page | D784 / 018 |
| Map Reference | MB 10 PG 29-D |
| Instrument Date | Mar 29, 2017 |
| Instrument | 5054381 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | MATTINGLY FORD TITLE SERVICE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $111.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2 CEDAR PT, 2, COLD SPRING, KY 41076-1742 |
| Name | Verified Name |
|---|---|
| Address | 11 MILLSTONE CT, COLD SPRING, KY 41076-1861 |
| Document Number | 0005054382 |
|---|---|
| Date | Mar 31, 2017 |
| Instrument | 5054382 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
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 | $1,671.00 (+1.03%) | $137,900 (-) Land $10,000 Building $127,900 | $137,900 (-) Land $10,000 Building $127,900 |
| 2023 | $1,654.00 (+12.14%) | $137,900 (+16.86%) Land $10,000 Building $127,900 | $137,900 (+16.86%) Land $10,000 Building $127,900 |
| 2022 | $1,475.00 | $118,000 Land $10,000 Building $108,000 | $118,000 Land $10,000 Building $108,000 |
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | May 2020 · river or lake flooding |
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 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 |
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 97 locations within half a mile, as of December 31, 2025
| 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 |
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