12 Neltner Dr, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 12 Neltner Dr, Cold Spring, KY 41076 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,156 sqft · built 1965
Lot Size	1.02 acres (44,475 sqft)
Owner	Company Name on File
Last Sale	$250,000 (Oct 2025)
Tax Bill	$4,848 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Dec 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-19-495.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-19-495.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,156 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,475 sqft (1.02 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	9999919495.00
Street Address	12 NELTNER DR
City	COLD SPRING
State	KY
Zip	41076-1721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.0205 AC
Legal Subdivision	NELTER LAND SUB
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	1
Census Block	1006
Census Tract	53301

Owner

Source: Campbell County records · APN 999-99-19-495.00

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	Company Name on File
Mailing Address	965 CORONA DR, COLD SPRING, KY 41076-7508
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Line of Credit HERITAGE SOUTHEAST BANK
Dec 18, 2025	Deed of Trust, Mortgage · Commercial Mortgage HERITAGE BANK INC
Oct 09, 2025	Special Warranty Deed, Transfer
Sep 30, 2025	Intrafamily Transfer, Transfer
Feb 14, 2024	Special Warranty Deed, Transfer
Aug 19, 2020	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Aug 10, 2020	Warranty Deed, Transfer · Commercial Mortgage RAC PROPERTIES INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 09, 2025 · Amount on Record
Deed Sale	Oct 09, 2025 · Amount on Record
Prior Sale	Sep 30, 2025
Deed Document Number	5995898
Deed Book / Page	D877 / 394
Record Updated	Jun 08, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	12 NELTNER DR, COLD SPRING, KY 41076-1721
Transaction Type	Mortgage
Record Updated	Mar 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 NELTNER DR, COLD SPRING, KY 41076-1721

Mortgage

Document Number	0005136779
Date	Jul 28, 2021
Book Page	M2299/222
Instrument	5136779

Lender

Name	HERITAGE SOUTHEAST BANK
Type	Bank
Address	NEWPORT, KY 41076

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 15, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	12 NELTNER DR, COLD SPRING, KY 41076-1721
Transaction Type	Mortgage
Record Updated	Mar 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 CORONA DR, COLD SPRING, KY 41076-7508

Mortgage

Document Number	0006012171
Date	Dec 18, 2025
Book Page	M2478/864
Instrument	6012171

Lender

Name	HERITAGE BANK INC
Type	Bank
Address	NEWPORT, KY 41076

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 16, 2035

Interest

Rate Type	Adjustable Rate

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Oct 09, 2025
Property Address	12 NELTNER DR, COLD SPRING, KY 41076-1721
Document Number	0005995898
Book / Page	D877 / 394
Instrument Date	Oct 08, 2025
Instrument	5995898
Transaction Type	Transfer
Record Updated	Mar 09, 2026

Transaction

Amount	Amount Recorded
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1014 VINE ST, CINCINNATI, OH 45202-1141

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 CORONA DR, COLD SPRING, KY 41076-7508

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAMPBELL KY
Recording Date	Sep 30, 2025
Property Address	12 NELTNER DR, COLD SPRING, KY 41076-1721
Document Number	0005993954
Book / Page	D877 / 54
Instrument Date	Sep 09, 2025
Instrument	5993954
Transaction Type	Transfer
Record Updated	Mar 09, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1014 VINE ST, CINCINNATI, OH 45202-1141

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 VINE ST, CINCINNATI, OH 45202-1141

February 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Feb 14, 2024
Property Address	12 NELTNER DR, COLD SPRING, KY 41076-1721
Document Number	0005323018
Book / Page	D858 / 523
Instrument Date	Feb 13, 2024
Instrument	5323018
Transaction Type	Transfer
Record Updated	Mar 09, 2026

Transaction

Amount	Amount Recorded
Tax	$400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 NELTNER DR, COLD SPRING, KY 41076-1721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 VINE ST, CINCINNATI, OH 45202-1141
Investor	Possibly a Property Investor

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	12 NELTNER DR, COLD SPRING, KY 41076-1721
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005115397
Date	Aug 19, 2020
Book Page	M2237/535
Instrument	5115397

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jul 21, 2035

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Aug 10, 2020
Property Address	12 NELTNER DR, COLD SPRING, KY 41076-1721
Document Number	0005114744
Book / Page	D815 / 539
Instrument Date	Aug 07, 2020
Instrument	5114744
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5675 E ALEXANDRIA PIKE, COLD SPRING, KY 41076-3543

Mortgage

Document Number	0005114745
Date	Aug 10, 2020
Instrument	5114745

Lender

Name	RAC PROPERTIES INC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Feb 07, 2021

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	$4,848.00 (+33.59%)	$400,000 (+35.32%) Land $50,000 Building $350,000	$400,000 (+35.32%) Land $50,000 Building $350,000
2024	$3,629.00 (+2.31%)	$295,600 (-) Land $50,000 Building $245,600	$295,600 (-) Land $50,000 Building $245,600
2023	$3,547.00 (+13.5%)	$295,600 (+18.24%) Land $50,000 Building $245,600	$295,600 (+18.24%) Land $50,000 Building $245,600
2022	$3,125.00	$250,000 Land $30,000 Building $220,000	$250,000 Land $30,000 Building $220,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Campbell County (21037C), updated August 24, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210370533011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2018, other causes, Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 80 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

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