Campbell County property record for 2915 Uhl Rd, Melbourne, KY 41059
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,130 sqft · built 1996 |
| Lot Size | 2.27 acres (98,881 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Sep 1997) |
| Tax Bill | $3,075 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Jul 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-240.00 |
| Primary APN | 999-99-19-240.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,130 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 98,881 sqft (2.27 acres) |
| Terrain | Steep |
| Garage Type | Basement |
| Old Parcel Number | 9999919240.00 |
|---|---|
| Street Address | 2915 UHL RD |
| City | MELBOURNE |
| State | KY |
| Zip | 41059-8283 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.27 ACRES |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 52900 |
Source: Campbell County records · APN 999-99-19-240.00
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 Individual Names on File |
|---|---|
| Mailing Address | 2915 UHL RD, MELBOURNE, KY 41059-8283 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 19, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Jul 07, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| May 05, 2022 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK |
| Aug 20, 2020 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 03, 1997 · Amount on Record |
| Deed Sale | Sep 03, 1997 · Amount on Record |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 2915 UHL RD, MELBOURNE, KY 41059-8283 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 2915 UHL RD, MELBOURNE, KY 41059-8283 |
| Document Number | 0005183444 |
|---|---|
| Date | Jul 19, 2023 |
| Book Page | M1105/541 |
| Instrument | 5183444 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 01, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Jul 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 9.25% |
| Index | 1-Year T-Bill |
| Max Rate | 13.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 2915 UHL RD, MELBOURNE, KY 41059-8283 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2023 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 2915 UHL RD, MELBOURNE, KY 41059-8283 |
| Document Number | 0005181533 |
|---|---|
| Date | Jul 07, 2023 |
| Book Page | M1105/1 |
| Instrument | 5181533 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 2915 UHL RD, MELBOURNE, KY 41059-8283 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005152959 |
|---|---|
| Date | May 05, 2022 |
| Book Page | M1079/719 |
| Instrument | 5152959 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | May 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 2915 UHL RD, MELBOURNE, KY 41059-8283 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005115463 |
|---|---|
| Date | Aug 20, 2020 |
| Book Page | M1013/633 |
| Instrument | 5115463 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 181 Months |
| Due | Sep 01, 2035 |
Source: Campbell County records · Assessment roll updated April 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| 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 | $3,075.00 (+50.74%) | $258,000 (+51.76%) Land $35,000 Building $223,000 | $258,000 (+51.76%) Land $35,000 Building $223,000 |
| 2023 | $2,040.00 (-4%) | $170,000 (-) Land $35,000 Building $135,000 | $170,000 (-) Land $35,000 Building $135,000 |
| 2022 | $2,125.00 | $170,000 Land $35,000 Building $135,000 | $170,000 Land $35,000 Building $135,000 |
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| 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.
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 |
Based on FCC filings for 27 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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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