3900 Smith Rd, California, KY 41007 Property Records

Campbell County property record for 3900 Smith Rd, California, KY 41007

Property Summary

Property Type	Single Family Home
Details	1,716 sqft · built 1974
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$254,000 (Mar 2022)
Tax Bill	$3,027 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-29-596.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-29-596.00`

Interior

Building Area	1,716 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Multi-Family
Exterior Material	Combination
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	3900 SMITH RD
City	CALIFORNIA
State	KY
Zip	41007-8449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.00 ACRES
Legal Subdivision	RIVER ISAAC SMITH ESTATE
Jurisdiction	CAMPBELL KY
Township / Civil Division	GRANTS LICK
Census Block Group	1
Census Block	1037
Census Tract	52002

Owner

3900 Smith Rd is owned and occupied by an individual who bought it in March 2022.

Source: Campbell County records, as of March 9, 2026

Owner of Record	Individual Name on File
Mailing Address	3900 SMITH RD, CALIFORNIA, KY 41007-8449
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LENDING LLC
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Aug 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Jul 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2022 · Amount on File
Deed Sale	Mar 2, 2022 · Amount on File
Deed Document Number	20225149406
Deed Book / Page	352 / 400
Prior Transfer Date	Aug 15, 2013
Prior Transfer Doc	0001900061
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Mar 2, 2022
Property Address	3900 SMITH RD, CALIFORNIA, KY 41007-8449
Document Number	0005149406
Book / Page	D352 / 400
Map Reference	CAB A-33B&34B
Instrument Date	Mar 1, 2022
Instrument	5149406
Transaction Type	Transfer
Record Updated	Mar 14, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$254.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3900 SMITH RD, 3900, CALIFORNIA, KY 41007-8449

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 SMITH RD, CALIFORNIA, KY 41007-8449

Mortgage

Document Number	0005149407
Date	Mar 2, 2022
Instrument	5149407

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	3900 SMITH RD, CALIFORNIA, KY 41007-8449
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005138315
Date	Aug 16, 2021
Book Page	M1054/629
Instrument	5138315

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	3900 SMITH RD, CALIFORNIA, KY 41007-8449
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005079394
Date	Aug 20, 2018
Book Page	M962/262
Instrument	5079394

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	3900 SMITH RD, CALIFORNIA, KY 41007-8449
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005094512
Date	Jul 22, 2019
Book Page	M980/836
Instrument	5094512

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3900 Smith Rd was $3,027.

Source: Campbell County assessment roll, as of March 9, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Municipality	Mentor City
Unified School District	Campbell County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,027.00	$254,000 Land $25,000 Building $229,000	$254,000 Land $25,000 Building $229,000
2023	$3,048.00 (+43.44%)	$254,000 (+49.41%) Land $10,000 Building $244,000	$254,000 (+49.41%) Land $10,000 Building $244,000
2022	$2,125.00	$170,000 Land $10,000 Building $160,000	$170,000 Land $10,000 Building $160,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3900 Smith Rd in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	25 (1979–2025)
Claims Outside the SFHA	2 of 25
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 16 claims

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

Wildfire risk around 3900 Smith 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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