Campbell County property record for 38 Sturbridge Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,022 sqft · built 1991 |
| Lot Size | 0.26 acres (11,520 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Apr 2018) |
| Tax Bill | $3,564 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-17-632.00 |
| Primary APN | 999-99-17-632.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,022 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,520 sqft (0.26 acres) |
| Lot Dimensions | 144 ft deep x 80 ft wide |
| Terrain | Combination |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 38 STURBRIDGE DR |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-2177 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 127 SEC 8 STURBRIDGE SUBD |
| Legal Subdivision | STURBRIDGE |
| Legal Phase | 8 |
| Legal Lot Number | 127 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 53100 |
Source: Campbell County records, as of July 20, 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 | Individual Name on File |
|---|---|
| Mailing Address | 38 STURBRIDGE DR, COLD SPRING, KY 41076-2177 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2022 | Deed of Trust, Mortgage · FHA Mortgage BRANCH BANKING AND TRUST CO |
| Apr 26, 2018 | Warranty Deed, Transfer · FHA Mortgage VICTORY COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 26, 2018 · Amount on File |
| Deed Sale | Apr 26, 2018 · Amount on File |
| Prior Sale | Jun 4, 2007 · Amount on File |
| Deed Document Number | 20185072757 |
| Deed Book / Page | 329 / 88 |
| Prior Transfer Date | Apr 24, 2018 |
| Prior Transfer Doc | 0005072757 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 38 STURBRIDGE DR, COLD SPRING, KY 41076-2177 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 38 STURBRIDGE DR, COLD SPRING, KY 41076-2177 |
| Document Number | 0005147968 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | M1071/497 |
| Instrument | 5147968 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC 29607 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Apr 26, 2018 |
| Property Address | 38 STURBRIDGE DR, COLD SPRING, KY 41076-2177 |
| Document Number | 0005072757 |
| Book / Page | D329 / 088 |
| Map Reference | SL 46-A |
| Instrument Date | Apr 24, 2018 |
| Instrument | 5072757 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Title Company | HOMESTEAD TITLE AGENCY LTD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $245.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5993 MARBLE WAY, HIGHLAND HEIGHTS, KY 41076-7121 |
| Document Number | 0005072758 |
|---|---|
| Date | Apr 26, 2018 |
| Instrument | 5072758 |
| Name | VICTORY COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
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 | $3,564.00 (+0.99%) | $294,100 (-) Land $40,000 Building $254,100 | $294,100 (-) Land $40,000 Building $254,100 |
| 2023 | $3,529.00 (+15.25%) | $294,100 (+20.04%) Land $40,000 Building $254,100 | $294,100 (+20.04%) Land $40,000 Building $254,100 |
| 2022 | $3,062.00 | $245,000 Land $24,000 Building $221,000 | $245,000 Land $24,000 Building $221,000 |
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
| 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.
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 | None beyond ember reach |
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 93 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 |
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