Campbell County property record for 13 Sturbridge Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,836 sqft · built 1987 |
| Owner | Individual Name on Record |
| Last Sale | $262,000 (Oct 2019) |
| Tax Bill | $3,679 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Apr 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-271.00 |
| Primary APN | 999-99-19-271.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,836 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Terrain | Combination |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999919271.00 |
|---|---|
| Street Address | 13 STURBRIDGE DR |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-2174 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 16 SEC 1 STURBRIDGE |
| Legal Subdivision | STURBRIDGE |
| Legal Phase | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 53100 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 13 STURBRIDGE DR, COLD SPRING, KY 41076-2174 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 15, 2019 | Deed of Trust, Mortgage · ARM GUARDIAN SAVINGS BANK FSB |
| Oct 11, 2019 | Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2019 · Amount on Record |
| Deed Sale | Oct 11, 2019 · Amount on Record |
| Prior Sale | Aug 24, 1995 · Amount on Record |
| Deed Document Number | 5098870 |
| Deed Book / Page | D336 / 564 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 13 STURBRIDGE DR, COLD SPRING, KY 41076-2174 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0005140739 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | M1058/691 |
| Instrument | 5140739 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 13 STURBRIDGE DR, COLD SPRING, KY 41076-2174 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005089849 |
|---|---|
| Date | Apr 15, 2019 |
| Book Page | M975/069 |
| Instrument | 5089849 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | May 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Oct 11, 2019 |
| Property Address | 13 STURBRIDGE DR, COLD SPRING, KY 41076-2174 |
| Document Number | 0005098870 |
| Book / Page | D336 / 564 |
| Map Reference | MB 46 PG 441 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 5098870 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | IVY POINTE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $262.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 30 INDIANA AVE, 30, FORT THOMAS, KY 41075-1513 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 13 STURBRIDGE DR, COLD SPRING, KY 41076-2174 |
| Document Number | 0005098875 |
|---|---|
| Date | Oct 11, 2019 |
| Instrument | 5098875 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
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 | $3,679.00 (+0.99%) | $303,600 (-) Land $40,000 Building $263,600 | $303,600 (-) Land $40,000 Building $263,600 |
| 2023 | $3,643.00 (+11.24%) | $303,600 (+15.88%) Land $40,000 Building $263,600 | $303,600 (+15.88%) Land $40,000 Building $263,600 |
| 2022 | $3,275.00 | $262,000 Land $24,000 Building $238,000 | $262,000 Land $24,000 Building $238,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 110 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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