Campbell County property record for 207 Ridgepointe Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 1,974 sqft · built 1996 |
| Lot Size | 0.3 acres (13,031 sqft) |
| Owner | Individual Name on File |
| Last Sale | $455,000 (May 2026) |
| Tax Bill | $4,545 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-18-158.45 |
| Primary APN | 999-99-18-158.45 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,974 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Combination |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,031 sqft (0.3 acres) |
| Lot Dimensions | 157 ft deep x 83 ft wide |
| Terrain | Combination |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 207 RIDGEPOINTE DR |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-9093 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 39 SEC 3 GLENRIDGE SUBD |
| Legal Subdivision | GLENRIDGE SUB |
| Legal Phase | 3 |
| Legal Lot Number | 39 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 53100 |
Source: Campbell County records · APN 999-99-18-158.45
Assessment roll updated March 9, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 207 RIDGEPOINTE DR, COLD SPRING, KY 41076-9093 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Nov 08, 2021 | Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK |
| May 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN NBRHD MORTGAGE ACCPTNC |
| Apr 05, 2022 | Warranty Deed, Transfer · Conventional Mortgage CINCINNATI FSLA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 29, 2026 · Amount on Record |
| Deed Sale | May 29, 2026 · Amount on Record |
| Prior Sale | Apr 05, 2022 · Amount on Record |
| Deed Document Number | 20266069014 |
| Deed Book / Page | 379 / 431 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 207 RIDGEPOINTE DR, COLD SPRING, KY 41076-9093 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 207 RIDGEPOINTE DR, COLD SPRING, KY 41076-9093 |
| Document Number | 0005143358 |
|---|---|
| Date | Nov 08, 2021 |
| Book Page | M1063/498 |
| Instrument | 5143358 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Oct 21, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | May 29, 2026 |
| Property Address | 207 RIDGEPOINTE DR, COLD SPRING, KY 41076-9093 |
| Document Number | 0006069014 |
| Book / Page | 379 / 431 |
| Instrument Date | May 29, 2026 |
| Instrument | 20266069014 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $45,955.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 207 RIDGEPOINTE DR, COLD SPRING, KY 41076-9093 |
| Document Number | 0006069014, |
|---|---|
| Date | May 29, 2026 |
| Book Page | 1166/57 |
| Instrument | 20266069014 |
| Name | AMERICAN NBRHD MORTGAGE ACCPTNC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Apr 05, 2022 |
| Property Address | 207 RIDGEPOINTE DR, COLD SPRING, KY 41076-9093 |
| Document Number | 0005151238 |
| Book / Page | D353 / 5 |
| Map Reference | SL 139-A |
| Instrument Date | Apr 01, 2022 |
| Instrument | 5151238 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2022 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 207 RIDGEPOINTE DR, 207, COLD SPRING, KY 41076-9093 |
| Name | Verified Name |
|---|---|
| Address | 207 RIDGEPOINTE DR, COLD SPRING, KY 41076-9093 |
| Document Number | 0005151239 |
|---|---|
| Date | Apr 05, 2022 |
| Instrument | 5151239 |
| Name | CINCINNATI FSLA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
Source: Campbell County records · Assessment roll updated March 9, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Municipality | Cold Spring City |
| Unified School District | Campbell County School District (PK - 12) |
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 | $4,545.00 (+1%) | $375,000 (-) Land $65,000 Building $310,000 | $375,000 (-) Land $65,000 Building $310,000 |
| 2023 | $4,500.00 (+46.29%) | $375,000 (+52.38%) Land $65,000 Building $310,000 | $375,000 (+52.38%) Land $65,000 Building $310,000 |
| 2022 | $3,076.00 | $246,088 Land $25,000 Building $221,088 | $246,088 Land $25,000 Building $221,088 |
Source: FEMA National Flood Hazard Layer, Campbell County (21037C), as of August 24, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210370531003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 | 140 (1978–2018) |
| Most Recent Claim | Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (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 |
Based on FCC filings for 149 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system KY0590220, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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