Campbell County property record for 12 Rosa Pl, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,506 sqft · built 1964 |
| Owner | Individual Name on File |
| Tax Bill | $3,654 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jan 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-20-183.00 |
| Primary APN | 999-99-20-183.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,506 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999920183.00 |
|---|---|
| Street Address | 12 ROSA PL |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-1812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 SEC B MADONNA ESTATES |
| Legal Subdivision | MADONNA ESTATES |
| Legal Phase | B |
| Legal Lot Number | 19 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 52900 |
12 Rosa Pl is owned and occupied by an individual who acquired it in December 2024.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 12 ROSA PL, COLD SPRING, KY 41076-1812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 8, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Jan 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Mar 2, 2017 | Loan Modification, Mortgage · Line of Credit PNC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Prior Sale | Nov 20, 2000 · Amount on File |
| Last Transfer Date | Dec 11, 2024 |
| Transfer Doc | 0005379347 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 12 ROSA PL, COLD SPRING, KY 41076-1812 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 12 ROSA PL, COLD SPRING, KY 41076-1812 |
| Document Number | 0006009717 |
|---|---|
| Date | Dec 8, 2025 |
| Book Page | M1155/199 |
| Instrument | 6009717 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 12 ROSA PL, COLD SPRING, KY 41076-1812 |
| Document Number | 0005068641 |
| Book / Page | 000950 / 000489 |
| Instrument Date | Jan 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2018 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 12 ROSA PL COLD SPRING KY 410761812, COLD SPRING, KY 41076-1812 |
| Document Number | 0005068641 |
|---|---|
| Date | Jan 25, 2018 |
| Book Page | 000950/000489 |
| Instrument | 5068641 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 24, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 12 ROSA PL, COLD SPRING, KY 41076-1812 |
| Document Number | 0005063087 |
| Book / Page | 000318 / 000739 |
| Instrument Date | Mar 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2017 |
| Name | Verified Name |
|---|---|
| Address | 12 ROSA PL COLD SPRING KY 410761812, COLD SPRING, KY 41076-1812 |
| Document Number | 0005063087 |
|---|---|
| Date | Sep 22, 2017 |
| Book Page | 000318/000739 |
| Instrument | 5063087 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | BRECKSVILLE, OH 44141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 21, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 12 Rosa Pl was $3,654.
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 | $3,654.00 | $301,500 Land $75,000 Building $226,500 | $301,500 Land $75,000 Building $226,500 |
| 2023 | $2,978.00 (+20.23%) | $248,200 (+25.23%) Land $75,000 Building $173,200 | $248,200 (+25.23%) Land $75,000 Building $173,200 |
| 2022 | $2,477.00 | $198,190 Land $25,000 Building $173,190 | $198,190 Land $25,000 Building $173,190 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Rosa Pl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.
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.
Wildfire risk around 12 Rosa Pl is low, with a 0.01% annual chance of wildfire.
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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