Campbell County property record for 3 Andrew Cir, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,432 sqft · built 1979 |
| Owner | 2 Individual Names on Record |
| Last Sale | $11,550 (May 1979) |
| Tax Bill | $2,008 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-522.00 |
| Primary APN | 999-99-19-522.00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,432 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999919522.00 |
|---|---|
| Street Address | 3 ANDREW CIR |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-1801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 94 SEC N MADONNA EST |
| Legal Subdivision | MADONNA ESTATES |
| Legal Phase | N |
| Legal Lot Number | 94 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 52900 |
Source: Campbell County records, as of March 6, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3 ANDREW CIR, COLD SPRING, KY 41076-1801 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 1979 · Amount on Record |
| Deed Sale | May 7, 1979 · Amount on Record |
| Deed Document Number | 0000161455 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Apr 7, 2026 |
| Property Address | 3 ANDREW CIR, COLD SPRING, KY 41076-1801 |
| Document Number | 0006035190 |
| Book / Page | 1162 / 728 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 20266035190 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3 ANDREW CIR, COLD SPRING, KY 41076-1801 |
| Document Number | 0006035190, |
|---|---|
| Date | Apr 7, 2026 |
| Book Page | 1162/728 |
| Instrument | 20266035190 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 29, 2036 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
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 | $2,008.00 (-0.64%) Homeowner's exemption | $214,800 (-) Land $45,000 Building $169,800 | $214,800 (-) Land $45,000 Building $169,800 |
| 2023 | $2,021.00 (+8.48%) Homeowner's exemption | $214,800 (+13.29%) Land $45,000 Building $169,800 | $214,800 (+13.29%) Land $45,000 Building $169,800 |
| 2022 | $1,863.00 Homeowner's exemption | $189,600 Land $35,000 Building $154,600 | $189,600 Land $35,000 Building $154,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 9 (5% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 4 (1997–2018) |
| Most Recent Claim | Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
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: 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 142 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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