Campbell County property record for 3 Locust Pt, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,240 sqft · built 1986 |
| Owner | Company Name on Record |
| Tax Bill | $4,314 (2025) |
| Deeds & Mortgages | Jul 2017 Line of Credit Aug 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-989.00 |
| Primary APN | 999-99-19-989.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,240 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Dimensions | 185 ft deep x 80 ft wide |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999919989.00 |
|---|---|
| Street Address | 3 LOCUST PT |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-1746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 33 SEC 3 LOCUST POINT SUBD |
| Legal Subdivision | LOCUST POINT |
| Legal Phase | 3 |
| Legal Lot Number | 33 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 3 |
| Census Block | 3014 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 3 LOCUST PT, COLD SPRING, KY 41076-1746 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 28, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 19, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 19, 2019 |
| Transfer Doc | 0005096042 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 3 LOCUST PT, COLD SPRING, KY 41076-1746 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005060218 |
|---|---|
| Date | Jul 28, 2017 |
| Book Page | M2117/187 |
| Instrument | 5060218 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 444 Months |
| Due | Jul 12, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Aug 19, 2019 |
| Property Address | 3 LOCUST PT, COLD SPRING, KY 41076-1746 |
| Document Number | 0005096042 |
| Book / Page | 000805 / 000430 |
| Instrument Date | Jul 12, 2019 |
| Instrument | 5096042 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3 LOCUST PT COLD SPRING KY 410761746, COLD SPRING, KY 41076-1746 |
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 | $4,314.00 (+0.98%) | $356,000 (-) Land $75,000 Building $281,000 | $356,000 (-) Land $75,000 Building $281,000 |
| 2023 | $4,272.00 (+25.91%) | $356,000 (+31.12%) Land $75,000 Building $281,000 | $356,000 (+31.12%) Land $75,000 Building $281,000 |
| 2022 | $3,393.00 | $271,500 Land $36,300 Building $235,200 | $271,500 Land $36,300 Building $235,200 |
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 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.
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 133 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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