Campbell County property record for 32 Sturbridge Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,906 sqft · built 1989 |
| Owner | Individual Name on File |
| Last Sale | $183,000 (Nov 2015) |
| Tax Bill | $3,665 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-18-320.00 |
| Primary APN | 999-99-18-320.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,906 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Combination |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Dimensions | 107 ft deep x 62 ft wide |
| Terrain | Combination |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999918320.00 |
|---|---|
| Street Address | 32 STURBRIDGE DR |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-2175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 40 SEC 3 STURBRIDGE SUBD |
| Legal Subdivision | STURBRIDGE |
| Legal Phase | 3 |
| Legal Lot Number | 40 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 53100 |
Source: Campbell County records · APN 999-99-18-320.00
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 32 STURBRIDGE DR, COLD SPRING, KY 41076-2175 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 12, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Sep 04, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 2015 · Amount on Record |
| Deed Sale | Nov 16, 2015 · Amount on Record |
| Prior Sale | Aug 06, 2004 · Amount on Record |
| Deed Document Number | 5030086 |
| Deed Book / Page | D317 / 016 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 32 STURBRIDGE DR, COLD SPRING, KY 41076-2175 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005159226 |
|---|---|
| Date | Sep 12, 2022 |
| Book Page | M1088/726 |
| Instrument | 5159226 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 32 STURBRIDGE DR, COLD SPRING, KY 41076-2175 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005096889 |
|---|---|
| Date | Sep 04, 2019 |
| Book Page | M983/826 |
| Instrument | 5096889 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 25, 2049 |
Source: Campbell County records · Assessment roll updated April 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Municipality | Cold Spring City |
| 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 | $3,665.00 (+1.02%) | $302,400 (-) Land $40,000 Building $262,400 | $302,400 (-) Land $40,000 Building $262,400 |
| 2023 | $3,628.00 (+35.27%) | $302,400 (+40.91%) Land $40,000 Building $262,400 | $302,400 (+40.91%) Land $40,000 Building $262,400 |
| 2022 | $2,682.00 | $214,600 Land $24,000 Building $190,600 | $214,600 Land $24,000 Building $190,600 |
Source: FEMA National Flood Hazard Layer as of August 24, 2021 · 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 |
| 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 are read at the parcel center point; 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 110 locations within half a mile of this property.
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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