218 Ridgepointe Dr, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 218 Ridgepointe Dr, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	1,946 sqft · built 1995
Owner	Individual Name on Record
Last Sale	$322,000 (Jul 2020)
Tax Bill	$4,437 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-18-158.34`

Property Details

APN / Parcel Number

Primary APN	`999-99-18-158.34`

Interior

Stories	2 Stories
Building Area	1,946 sqft Living Area

Exterior

Year Built	Built 1995
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	9999918158.34
Street Address	218 RIDGEPOINTE DR
City	COLD SPRING
State	KY
Zip	41076-9092
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 46 SEC 3 GLENRIDGE SUBD
Legal Subdivision	GLENRIDGE SUB
Legal Phase	3
Legal Lot Number	46
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	3
Census Block	3000
Census Tract	53100

Owner

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	218 RIDGEPOINTE DR, COLD SPRING, KY 41076-9092
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Jan 14, 2020	Deed of Trust, Mortgage · Commercial Mortgage VICTORY COMMUNITY BANK
Jul 28, 2020	Warranty Deed, Transfer GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Jan 19, 1996 · Amount on Record
Deed Document Number	5114068
Deed Book / Page	D341 / 49
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	218 RIDGEPOINTE DR, COLD SPRING, KY 41076-9092
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 RIDGEPOINTE DR, COLD SPRING, KY 41076-9092

Mortgage

Document Number	0005159320
Date	Sep 14, 2022
Book Page	M1089/21
Instrument	5159320

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	111 Months
Due	Dec 27, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	218 RIDGEPOINTE DR, COLD SPRING, KY 41076-9092
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005103594
Date	Jan 14, 2020
Book Page	M994/328
Instrument	5103594

Lender

Name	VICTORY COMMUNITY BANK
Type	Bank
Address	FT MITCHELL, KY 41017

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	16 Months
Due	May 16, 2021

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Jul 28, 2020
Property Address	218 RIDGEPOINTE DR, COLD SPRING, KY 41076-9092
Document Number	0005114068
Book / Page	D341 / 49
Map Reference	SL 139-A
Instrument Date	Jul 23, 2020
Instrument	5114068
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	PROMINENT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 RIDGEPOINTE DR, 218, COLD SPRING, KY 41076-9092

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333

Mortgage

Document Number	0005114069
Date	Jul 28, 2020
Instrument	5114069

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Campbell County assessment roll, as of April 1, 2025

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	$4,437.00 (+1%)	$366,100 (-) Land $50,000 Building $316,100	$366,100 (-) Land $50,000 Building $316,100
2023	$4,393.00 (+9.14%)	$366,100 (+13.7%) Land $50,000 Building $316,100	$366,100 (+13.7%) Land $50,000 Building $316,100
2022	$4,025.00	$322,000 Land $25,000 Building $297,000	$322,000 Land $25,000 Building $297,000

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

Flood

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	140 (1978–2018)
Most Recent Claim	Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 5 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 104 claims

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

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	None beyond ember reach

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 149 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

Cell Coverage

5G (outdoors only) and 4G LTE

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