Lincoln County property record for 343 Cold Spring Dr, Stanford, KY 40484
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,688 sqft · built 1988 |
| Lot Size | 0.653 acres (28,457 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,461 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Feb 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-12-19-002.00 |
| Primary APN | 051-12-19-002.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,688 sqft Living Area |
| Basement Area | 1,531 sqft |
| Unfinished Basement | 1,531 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 28,457 sqft (0.653 acres) |
| Terrain | Rolling |
| Garage Area | 719 sqft |
| Driveway | Concrete Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 3,879 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 343 COLD SPRING DR |
|---|---|
| City | STANFORD |
| State | KY |
| Zip | 40484-8493 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | H & LOT 56 UN 6 BL F |
| Legal Subdivision | DIX RIVER EST |
| Legal Block | F |
| Legal Lot Number | 56 |
| Legal Unit | 6 |
| Jurisdiction | LINCOLN KY |
| Township / Civil Division | STANFORD |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 920103 |
343 Cold Spring Dr is owned and occupied by two individuals.
Source: Lincoln County records, as of May 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 343 COLD SPRING DR, STANFORD, KY 40484-8493 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 7, 2024 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Feb 24, 2021 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN KY |
| Property Address | 343 COLD SPRING DR, STANFORD, KY 40484-8493 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 343 COLD SPRING DR, STANFORD, KY 40484-8493 |
| Document Number | 000535/632 |
|---|---|
| Date | Feb 7, 2024 |
| Book Page | 535/632 |
| Instrument | 2296475 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Dec 25, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN KY |
| Property Address | 343 COLD SPRING DR, STANFORD, KY 40484-8493 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | MTG491/613 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | MTG 491/613 |
| Instrument | 465702 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jan 1, 2036 |
The 2025 property tax bill for 343 Cold Spring Dr was $2,461, 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 | $2,461.00 (-4.28%) | $250,600 Land $20,000 Building $230,600 | $250,600 Land $20,000 Building $230,600 |
| 2024 | $2,571.00 | ||
| 2023 | $250,600 Land $20,000 Building $230,600 | $250,600 Land $20,000 Building $230,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 343 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 343 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 | 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 | 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 143 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
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