Lincoln County property record for 328 Cold Spring Dr, Stanford, KY 40484
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,080 sqft · built 1999 |
| Lot Size | 0.796 acres (34,674 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,308 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-12-10-013.00 |
| Primary APN | 051-12-10-013.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,080 sqft Living Area |
| Basement Area | 2,080 sqft |
| Finished Basement | 2,080 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Composition Shingle |
| Lot Area | 34,674 sqft (0.796 acres) |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Street Address | 328 COLD SPRING DR |
|---|---|
| City | STANFORD |
| State | KY |
| Zip | 40484-8493 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & LOT 13 UN 6 BL F (.796 ACS) |
| Legal Subdivision | DIX RIVER ESTATES SUB 6 |
| Legal Block | F |
| Legal Lot Number | 13 |
| Legal Unit | 6 |
| Jurisdiction | LINCOLN KY |
| Township / Civil Division | STANFORD |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 920103 |
328 Cold Spring Dr is owned and occupied by two individuals.
Source: Lincoln County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 328 COLD SPRING DR, STANFORD, KY 40484-8493 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN KY |
| Property Address | 328 COLD SPRING DR, STANFORD, KY 40484-8493 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | MTG475/465 |
|---|---|
| Date | Feb 5, 2020 |
| Book Page | MTG 475/465 |
| Instrument | 460727 |
| Name | 1ST TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | HAZARD, KY 41701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
The 2025 property tax bill for 328 Cold Spring Dr was $2,308, down 4.3% from the year before.
Source: Lincoln County assessment roll, as of October 16, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Lincoln County |
| Unified School District | Lincoln County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,308.00 (-4.27%) | $235,000 Land $20,000 Building $215,000 | $235,000 Land $20,000 Building $215,000 |
| 2024 | $2,411.00 | ||
| 2023 | $235,000 Land $20,000 Building $215,000 | $235,000 Land $20,000 Building $215,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 328 Cold Spring Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 17, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 328 Cold Spring Dr is low, with a 0.02% 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 | 0.02% 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 | STANFORD WATER WORKS serves 9,284 people · EPA ID KY0690417 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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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