Campbell County property record for 125 Saint Michael Dr, Cold Spring, KY 41076
| Property Type | Commercial |
|---|---|
| Details | 14,743 sqft |
| Lot Size | 3.73 acres (162,522 sqft) |
| Owner | Company Name on Record |
| Last Sale | $2,025,000 (Aug 2022) |
| Tax Bill | $24,543 (2025) |
| Deeds & Mortgages | Jun 2026 Construction Loan May 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-18-526.03 |
| Primary APN | 999-99-18-526.03 |
|---|
| Units | 3 Units |
|---|---|
| Stories | 1 Story |
| Building Area | 14,743 sqft Building Perimeter |
| Exterior Material | Brick |
|---|---|
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 162,522 sqft (3.73 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 125 SAINT MICHAEL DR |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-3566 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | TOWN CENTER SUB REPLAT LOT 5 3.7309 ACRES |
| Legal Subdivision | TOWN CENTER SUB |
| Legal Lot Number | 3,5 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 53301 |
Source: Campbell County records, as of July 7, 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 Record |
|---|---|
| Mailing Address | 10904 ROSEBRIAR DR, UNION, KY 41091-8037 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Construction Mortgage WESBANCO BANK INC |
| May 19, 2023 | Deed of Trust, Mortgage · Commercial Mortgage WESBANCO BANK INC |
| Aug 16, 2022 | Warranty Deed, Transfer · Line of Credit STOCK YARDS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2022 · Amount on Record |
| Deed Sale | Aug 16, 2022 · Amount on Record |
| Prior Sale | Mar 6, 2006 · Amount on Record |
| Deed Document Number | 20225158140 |
| Deed Book / Page | 842 / 813 |
| Prior Transfer Date | Feb 21, 2006 |
| Prior Transfer Doc | 0001900096 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jun 26, 2026 |
| Property Address | 125 SAINT MICHAEL DR, COLD SPRING, KY 41076-3566 |
| Document Number | 0006141043 |
| Book / Page | 2501 / 296 |
| Instrument Date | May 8, 2026 |
| Instrument | 20266141043 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 10904 ROSEBRIAR DR, UNION, KY 41091-8037 |
| Document Number | 0006141043, |
|---|---|
| Date | Jun 26, 2026 |
| Book Page | 2501/296 |
| Instrument | 20266141043 |
| Name | WESBANCO BANK INC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1 Months |
| Due | Jul 10, 2026 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 125 SAINT MICHAEL DR, COLD SPRING, KY 41076-3566 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10904 ROSEBRIAR DR, UNION, KY 41091-8037 |
| Document Number | 0005174578 |
|---|---|
| Date | May 19, 2023 |
| Book Page | M2379/757 |
| Instrument | 5174578 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | NEWPORT, KY 41076 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 10, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Aug 16, 2022 |
| Property Address | 125 SAINT MICHAEL DR, COLD SPRING, KY 41076-3566 |
| Document Number | 0005158140 |
| Book / Page | D842 / 813 |
| Map Reference | CAB E SL 397A |
| Instrument Date | Aug 11, 2022 |
| Instrument | 5158140 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,025.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2333 ANDERSON RD, CRESCENT SPRINGS, KY 41017-1955 |
| Name | Verified Name |
|---|---|
| Address | 10904 ROSEBRIAR DR, UNION, KY 41091-8037 |
| Document Number | 0005158145 |
|---|---|
| Date | Aug 16, 2022 |
| Instrument | 5158145 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 15, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Campbell County assessment roll, as of March 9, 2026
| 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 | $24,543.00 (+1%) | $2,025,000 (-) Land $315,000 Building $1,710,000 | $2,025,000 (-) Land $315,000 Building $1,710,000 |
| 2023 | $24,300.00 (+8.65%) | $2,025,000 (+13.17%) Land $315,000 Building $1,710,000 | $2,025,000 (+13.17%) Land $315,000 Building $1,710,000 |
| 2022 | $22,366.00 | $1,789,300 Land $315,000 Building $1,474,300 | $1,789,300 Land $315,000 Building $1,474,300 |
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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 170 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 | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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