15 Andrew Cir, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 15 Andrew Cir, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,636 sqft · built 2000
Lot Size	0.574 acres (25,030 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Sep 1999)
Tax Bill	$5,586 (2025)
Deeds & Mortgages	Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-18-411.21`

Property Details

APN / Parcel Number

Primary APN	`999-99-18-411.21`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,636 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Combination
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,030 sqft (0.574 acres)
Terrain	Combination
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	15 ANDREW CIR
City	COLD SPRING
State	KY
Zip	41076-1801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MADONNA ESTATES LOTS 147&148 SEC W
Legal Subdivision	MADONNA ESTATES
Legal Phase	W
Legal Lot Number	147-148
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	4
Census Block	4022
Census Tract	52900

Owner

15 Andrew Cir is owned and occupied by two individuals who acquired it in September 2006.

Source: Campbell County records, as of March 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15 ANDREW CIR, COLD SPRING, KY 41076-1801
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 1999 · Amount on File
Deed Sale	Sep 20, 1999 · Amount on File
Last Transfer Date	Sep 29, 2006
Transfer Doc	0001900042
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	15 ANDREW CIR, COLD SPRING, KY 41076-1801
Transaction Type	Mortgage
Record Updated	May 15, 2023
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 ANDREW CIR, COLD SPRING, KY 41076-1801

Mortgage

Document Number	0005171103
Date	Apr 21, 2023
Book Page	M1100/868
Instrument	5171103

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Index	1-Year T-Bill
Max Rate	13.2%

Tax Assessment & Valuation

The 2025 property tax bill for 15 Andrew Cir was $5,586 with a homeowner's exemption.

Source: Campbell County assessment roll, as of March 9, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,586.00 Homeowner's exemption	$510,000 Land $75,000 Building $435,000	$510,000 Land $75,000 Building $435,000
2023	$4,188.00 (+6.84%) Homeowner's exemption	$395,400 (+26.08%) Land $75,000 Building $320,400	$395,400 (+26.08%) Land $75,000 Building $320,400
2022	$3,920.00	$313,600 Land $50,000 Building $263,600	$313,600 Land $50,000 Building $263,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15 Andrew Cir 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

Wildfire risk around 15 Andrew Cir 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 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
T-Mobile Fixed Wireless	100 / 20