Campbell County property record for 303 Pooles Creek Rd, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 1,812 sqft · built 2005 |
| Lot Size | 2.22 acres (96,703 sqft) |
| Owner | Individual Name on File |
| Last Sale | $329,900 (May 2022) |
| Tax Bill | $3,998 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit May 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-681.00 |
| Primary APN | 999-99-19-681.00 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,812 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 96,703 sqft (2.22 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 303 POOLES CREEK RD |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-8635 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LICKING PK 2.220 ACRES |
| Legal Subdivision | POOLES CRK ROAD 01 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 53301 |
303 Pooles Creek Rd is owned and occupied by an individual who bought it in May 2022.
Source: Campbell County records, as of March 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 303 POOLES CREEK RD, NEWPORT, KY 41076-8635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 11, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| May 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage OPTION FINANCIAL LLC |
| Sep 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Aug 15, 2018 | Deed of Trust, Mortgage FIFTH THIRD BANK |
| Sep 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Feb 27, 2020 | Deed of Trust, Mortgage FIFTH THIRD BANK |
| Jun 16, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 2022 · Amount on File |
| Deed Sale | May 31, 2022 · Amount on File |
| Prior Sale | Feb 18, 2005 · Amount on File |
| Deed Document Number | 20225154177 |
| Deed Book / Page | 838 / 807 |
| Prior Transfer Date | Jan 10, 2005 |
| Prior Transfer Doc | 0001900041 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 303 POOLES CREEK RD, COLD SPRING, KY 41076-8635 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 303 POOLES CREEK RD, WILDER, KY 41076-8635 |
| Document Number | 0005160543 |
|---|---|
| Date | Oct 11, 2022 |
| Book Page | M2361/191 |
| Instrument | 5160543 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | COVINGTON, KY 41011 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 13, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 303 POOLES CREEK RD, COLD SPRING, KY 41076-8635 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005154178 |
|---|---|
| Date | May 31, 2022 |
| Book Page | M2346/272 |
| Instrument | 5154178 |
| Name | OPTION FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45247 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 303 POOLES CREEK RD, COLD SPRING, KY 41076-8635 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0005140399 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | M2308/53 |
| Instrument | 5140399 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 303 POOLES CREEK RD, COLD SPRING, KY 41076-8635 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005079189 |
|---|---|
| Date | Aug 15, 2018 |
| Book Page | M2154/644 |
| Instrument | 5079189 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Aug 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 303 POOLES CREEK RD, COLD SPRING, KY 41076-8635 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005081249 |
|---|---|
| Date | Sep 25, 2018 |
| Book Page | M2158/852 |
| Instrument | 5081249 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Aug 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 303 POOLES CREEK RD, COLD SPRING, KY 41076-8635 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|
| Document Number | 0005105785 |
|---|---|
| Date | Feb 27, 2020 |
| Book Page | M2211/92 |
| Instrument | 5105785 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount on Record |
|---|---|
| Term | 181 Months |
| Due | Mar 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jun 16, 2020 |
| Property Address | 303 POOLES CREEK RD, COLD SPRING, KY 41076-8635 |
| Document Number | 0005111592 |
| Book / Page | 000813 / 000666 |
| Instrument Date | Jun 16, 2020 |
| Instrument | 5111592 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $144.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 303 POOLES CREEK RD COLD SPRING KY 410768635, COLD SPRING, KY 41076-8635 |
The 2025 property tax bill for 303 Pooles Creek Rd was $3,998.
Source: Campbell County assessment roll, as of March 9, 2026
| 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 | $3,998.00 | $329,900 Land $75,000 Building $254,900 | $329,900 Land $75,000 Building $254,900 |
| 2023 | $3,958.00 (+120.5%) | $329,900 (+129.61%) Land $75,000 Building $254,900 | $329,900 (+129.61%) Land $75,000 Building $254,900 |
| 2022 | $1,795.00 | $143,680 Land $19,900 Building $123,780 | $143,680 Land $19,900 Building $123,780 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 303 Pooles Creek Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | May 2020 · river or lake flooding |
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 risk around 303 Pooles Creek Rd is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
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 58 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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