Campbell County property record for 244 Ridgepointe Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 3,078 sqft · built 2004 |
| Owner | 2 Owner Names on File |
| Last Sale | $340,623 (May 2004) |
| Tax Bill | $4,434 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jul 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-029.32 |
| Primary APN | 999-99-19-029.32 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,078 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Terrain | Combination |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999919029.32 |
|---|---|
| Street Address | 244 RIDGEPOINTE DR |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-8540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 145 SEC 8 GLENRIDGE SUBD |
| Legal Subdivision | GLENRIDGE SUB |
| Legal Phase | 8 |
| Legal Lot Number | 145 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 53100 |
Source: Campbell County records · APN 999-99-19-029.32
Assessment roll updated April 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 244 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Oct 21, 2025 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jul 14, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jul 10, 2020 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Mar 29, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 14, 2004 · Amount on Record |
| Deed Sale | May 14, 2004 · Amount on Record |
| Deed Document Number | 04 05 14 019 00023 |
| Deed Book / Page | 0268 / 032 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 244 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540 |
| Transaction Type | Mortgage |
| Record Updated | Nov 04, 2025 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 244 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540 |
| Document Number | 0005998242 |
|---|---|
| Date | Oct 21, 2025 |
| Book Page | M1151/507 |
| Instrument | 5998242 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 244 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 244 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540 |
| Document Number | 0005135920 |
|---|---|
| Date | Jul 14, 2021 |
| Book Page | M1051/412 |
| Instrument | 5135920 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jun 11, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 244 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 0005113048 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | M1009/349 |
| Instrument | 5113048 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 01, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 244 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | STEWART TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0005051386 |
|---|---|
| Date | Jan 27, 2017 |
| Book Page | M929/724 |
| Instrument | 5051386 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 244 RIDGEPOINTE DR, COLD SPRING, KY 41076-8540 |
| Document Number | 0005055217 |
| Book / Page | 000934 / 000084 |
| Instrument Date | Mar 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 08, 2017 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 244 RIDGEPOINTE DR COLD SPRING KY 410768540, COLD SPRING, KY 41076-8540 |
| Document Number | 0005055217 |
|---|---|
| Date | Apr 17, 2017 |
| Book Page | 000934/000084 |
| Instrument | 5055217 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 16, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Campbell County records · Assessment roll updated April 1, 2025 · Last verified March 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 | $4,434.00 (+0.25%) Homeowner's exemption Disabled Person's exemption | $415,000 (-) Land $50,000 Building $365,000 | $415,000 (-) Land $50,000 Building $365,000 |
| 2023 | $4,423.00 (-4.39%) Homeowner's exemption Disabled Person's exemption | $415,000 (+12.14%) Land $50,000 Building $365,000 | $415,000 (+12.14%) Land $50,000 Building $365,000 |
| 2022 | $4,626.00 | $370,080 Land $31,500 Building $338,580 | $370,080 Land $31,500 Building $338,580 |
Source: FEMA National Flood Hazard Layer as of August 24, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 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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