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

Campbell County property record for 228 Ridgepointe Dr, Cold Spring, KY 41076 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2,584 sqft · built 2005
Lot Size	0.37 acres (16,240 sqft)
Owner	Individual Name on File
Last Sale	$282,735 (Mar 2005)
Tax Bill	$3,702 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-19-029.07`

Property Details

APN / Parcel Number

Primary APN	`999-99-19-029.07`

Interior

Stories	2 Stories
Building Area	2,584 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,240 sqft (0.37 acres)
Lot Dimensions	140 ft deep x 116 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	228 RIDGEPOINTE DR
City	COLD SPRING
State	KY
Zip	41076-8540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 153 SEC 6 GLENRIDGE SUBD
Legal Subdivision	GLENRIDGE SUB
Legal Phase	6
Legal Lot Number	153
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	3
Census Block	3000
Census Tract	53100

Owner

Source: Campbell County records · APN 999-99-19-029.07

Assessment roll updated March 9, 2026 · Last verified April 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	228 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Mar 15, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Mar 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Jan 28, 2019	Deed of Trust, Mortgage · ARM FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 24, 2005 · Amount on Record
Deed Sale	Mar 24, 2005 · Amount on Record
Deed Document Number	20053 24 05 019 00
Deed Book / Page	273 / 267
Last Transfer Date	Mar 28, 2008
Transfer Doc	0001900062
Record Updated	Jun 08, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	228 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540

Mortgage

Document Number	0005150138
Date	Mar 15, 2022
Book Page	M1075/384
Instrument	5150138

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 25, 2052

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	228 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005150137
Date	Mar 15, 2022
Book Page	M1075/368
Instrument	5150137

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 01, 2042

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	228 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005088619
Date	Mar 20, 2019
Book Page	M973/493
Instrument	5088619

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	228 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	JVY POINTE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005086545
Date	Jan 28, 2019
Book Page	M970/623
Instrument	5086545

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Feb 01, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.5%
Index	1-Month LIBOR
Max Rate	9.5%

Tax Assessment & Valuation

Source: Campbell County records · Assessment roll updated March 9, 2026 · Last verified April 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

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	$3,702.00 (+0.08%) Homeowner's exemption	$354,600 (-) Land $40,000 Building $314,600	$354,600 (-) Land $40,000 Building $314,600
2023	$3,699.00 (+0.3%) Homeowner's exemption	$354,600 (+20.16%) Land $40,000 Building $314,600	$354,600 (+20.16%) Land $40,000 Building $314,600
2022	$3,688.00	$295,100 Land $31,500 Building $263,600	$295,100 Land $31,500 Building $263,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Campbell County (21037C), updated August 24, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210370531003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	140 (1978–2018)
Most Recent Claim	Feb 2018, rainfall accumulation, Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims By Storm	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 5 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 104 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 149 locations within about half a mile of this property

Provider	Technology	Download / Upload (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

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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