Campbell County property record for 22 Cedar Pt, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,132 sqft · built 1988 |
| Owner | 2 Individual Names on File |
| Last Sale | $158,000 (Mar 1996) |
| Tax Bill | $3,519 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-437.00 |
| Primary APN | 999-99-19-437.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,132 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Dimensions | 155 ft deep x 65 ft wide |
| Terrain | Combination |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999919437.00 |
|---|---|
| Street Address | 22 CEDAR PT |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-1742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 24 SEC 5 LOCUST PT SUBD |
| Legal Subdivision | LOCUST POINT |
| Legal Phase | 5 |
| Legal Lot Number | 24 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 52900 |
22 Cedar Pt is owned and occupied by two individuals who bought it in March 1996.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22 CEDAR PT, COLD SPRING, KY 41076-1742 |
| 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.
| Date | Document |
|---|---|
| Dec 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WESBANCO BANK INC |
| Mar 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WESBANCO BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 1996 · Amount on File |
| Deed Sale | Mar 25, 1996 · Amount on File |
| Deed Document Number | 0000583302 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 22 CEDAR PT, COLD SPRING, KY 41076-1742 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005163075 |
|---|---|
| Date | Dec 13, 2022 |
| Book Page | M2366/593 |
| Instrument | 5163075 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | WHEELING, WV 26003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 11% |
| Index | 1-Year T-Bill |
| Margin | 3 |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 22 CEDAR PT, COLD SPRING, KY 41076-1742 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005107163 |
|---|---|
| Date | Mar 24, 2020 |
| Book Page | M2214/691 |
| Instrument | 5107163 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | WHEELING, WV 26003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2035 |
The 2025 property tax bill for 22 Cedar Pt was $3,519.
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 | $3,519.00 | $290,400 Land $50,000 Building $240,400 | $290,400 Land $50,000 Building $240,400 |
| 2023 | $3,484.00 (+7.7%) | $290,400 (+12.18%) Land $50,000 Building $240,400 | $290,400 (+12.18%) Land $50,000 Building $240,400 |
| 2022 | $3,235.00 | $258,860 Land $35,000 Building $223,860 | $258,860 Land $35,000 Building $223,860 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22 Cedar Pt in Zone X, an area of minimal flood risk.
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 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
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 risk around 22 Cedar Pt 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.
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 158 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 |
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