3 Ervin Cir, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 3 Ervin Cir, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,872 sqft · built 1973
Owner	Individual Name on Record
Tax Bill	$3,108 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-17-635.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-17-635.00`

Interior

Full Baths	1 Bath
Building Area	1,872 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	9999917635.00
Street Address	3 ERVIN CIR
City	COLD SPRING
State	KY
Zip	41076-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 56 SEC F MADONNA EST
Legal Subdivision	MADONNA ESTATES
Legal Phase	F
Legal Lot Number	56
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	4
Census Block	4022
Census Tract	52900

Owner

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	Individual Name on Record
Mailing Address	3 ERVIN CIR, COLD SPRING, KY 41076-1805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Feb 5, 1999 · Amount on Record
Last Transfer Date	Apr 29, 2020
Transfer Doc	0005108919
Record Updated	Jun 8, 2026

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAMPBELL KY
Recording Date	Apr 29, 2020
Property Address	3 ERVIN CIR, COLD SPRING, KY 41076-1805
Document Number	0005108919
Book / Page	D339 / 425
Map Reference	MB 5 PG 32A-4
Instrument Date	Apr 11, 2020
Instrument	5108919
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	FIRST SOURCE TITLE AGCY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5432 STONE HILL DR, 5432, TAYLOR MILL, KY 41015-4120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ERVIN CIR, COLD SPRING, KY 41076-1805

Mortgage

Document Number	0005108920
Date	Apr 29, 2020
Instrument	5108920

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: Campbell County assessment roll, as of April 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,108.00 (+0.97%)	$256,500 (-) Land $50,000 Building $206,500	$256,500 (-) Land $50,000 Building $206,500
2023	$3,078.00 (+21.04%)	$256,500 (+26.06%) Land $50,000 Building $206,500	$256,500 (+26.06%) Land $50,000 Building $206,500
2022	$2,543.00	$203,480 Land $35,000 Building $168,480	$203,480 Land $35,000 Building $168,480

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 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.

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	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.

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 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