2389 Uhl Rd, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 2389 Uhl Rd, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	2,996 sqft · built 1989
Lot Size	9.44 acres (411,206 sqft)
Owner	2 Individual Names on Record
Last Sale	$605,000 (Dec 2025)
Tax Bill	$6,676 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jun 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-17-794.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-17-794.00`

Interior

Stories	1 Story
Building Area	2,996 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	411,206 sqft (9.44 acres)
Terrain	Combination
Garage Type	Detached

Location & Zoning

Street Address	2389 UHL RD
City	COLD SPRING
State	KY
Zip	41076-8655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9.44 ACRES
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	1
Census Block	1008
Census Tract	52900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	218 CENTER ST, FLORENCE, KY 41042-1918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Deed of Trust, Mortgage · Line of Credit COVE FCU
Jun 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage COVE FCU
Jun 21, 2023	Deed of Trust, Mortgage · Line of Credit COVE FCU
Dec 12, 2025	Deed, Transfer · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on Record
Deed Sale	Dec 12, 2025 · Amount on Record
Prior Sale	Jun 18, 2013 · Amount on Record
Deed Document Number	20256010648
Deed Book / Page	376 / 235
Prior Transfer Date	Jun 17, 2013
Prior Transfer Doc	0001900159
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	2389 UHL RD, COLD SPRING, KY 41076-8655
Transaction Type	Mortgage
Record Updated	Jan 1, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005163379
Date	Dec 20, 2022
Book Page	M1095/59
Instrument	5163379

Lender

Name	COVE FCU
Type	Credit Union
Address	FT MITCHELL, KY 41017

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 6, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	2389 UHL RD, COLD SPRING, KY 41076-8655
Transaction Type	Mortgage
Record Updated	Jan 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2389 UHL RD, COLD SPRING, KY 41076-8655

Mortgage

Document Number	0005179260
Date	Jun 21, 2023
Book Page	M1104/338
Instrument	5179260

Lender

Name	COVE FCU
Type	Credit Union
Address	FT MITCHELL, KY 41017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	1-Year T-Bill
Max Rate	12.3%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	2389 UHL RD, COLD SPRING, KY 41076-8655
Transaction Type	Mortgage
Record Updated	Jan 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005179284
Date	Jun 21, 2023
Book Page	M1104/362
Instrument	5179284

Lender

Name	COVE FCU
Type	Credit Union
Address	FT MITCHELL, KY 41017

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 14, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CAMPBELL KY
Recording Date	Dec 12, 2025
Property Address	2389 UHL RD, COLD SPRING, KY 41076-8655
Document Number	0006010648
Book / Page	D376 / 235
Instrument Date	Dec 10, 2025
Instrument	6010648
Transaction Type	Transfer
Record Updated	Jan 1, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$605.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 76126, HIGHLAND HEIGHTS, KY 41076-0126

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	218 CENTER ST, FLORENCE, KY 41042-1918

Mortgage

Document Number	0006010653
Date	Dec 12, 2025
Instrument	6010653

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

Source: Campbell County assessment roll, as of March 9, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Unified School District	Campbell County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,676.00 (+82.06%) Homeowner's exemption	$600,000 (+73.91%) Land $95,000 Building $505,000	$600,000 (+73.91%) Land $95,000 Building $505,000
2024	$3,667.00 (+2.34%) Homeowner's exemption	$345,000 (-) Land $70,200 Building $274,800	$345,000 (-) Land $70,200 Building $274,800
2023	$3,583.00 (-5.86%) Homeowner's exemption	$345,000 (-) Land $70,200 Building $274,800	$345,000 (-) Land $70,200 Building $274,800
2022	$3,806.00 Homeowner's exemption	$345,000 Land $70,200 Building $274,800	$345,000 Land $70,200 Building $274,800

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
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

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	Direct burnable vegetation

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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