3943 Smith Rd, California, KY 41007 Property Records

Campbell County property record for 3943 Smith Rd, California, KY 41007

Property Summary

Property Type	Single Family Home
Details	2,192 sqft · built 1900
Lot Size	2.65 acres (115,565 sqft)
Owner	Individual Name on File
Last Sale	$386,500 (Sep 2025)
Tax Bill	$2,876 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-29-768.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-29-768.00`

Interior

Stories	2 Stories
Building Area	2,192 sqft Living Area

Exterior

Year Built	Built 1900
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	115,565 sqft (2.65 acres)
Terrain	Rolling
Garage Type	Basement

Location & Zoning

Old Parcel Number	9999929768.00
Street Address	3943 SMITH RD
City	CALIFORNIA
State	KY
Zip	41007-8450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.653 ACRES
Legal Subdivision	RIVER 01
Jurisdiction	CAMPBELL KY
Township / Civil Division	GRANTS LICK
Census Block Group	1
Census Block	1037
Census Tract	52002

Owner

3943 Smith Rd is owned and occupied by an individual who bought it in September 2025.

Source: Campbell County records, as of March 6, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3943 SMITH RD, CALIFORNIA, KY 41007-8450
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
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Sep 19, 2018	Deed of Trust, Mortgage · ARM GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2025 · Amount on File
Deed Sale	Sep 5, 2025 · Amount on File
Prior Sale	Aug 4, 2009 · Amount on File
Deed Document Number	5989480
Deed Book / Page	D374 / 266
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	3943 SMITH RD, CALIFORNIA, KY 41007-8450
Transaction Type	Mortgage
Record Updated	Dec 8, 2021
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005144169
Date	Nov 23, 2021
Book Page	M1064/725
Instrument	5144169

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	3943 SMITH RD, CALIFORNIA, KY 41007-8450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005080941
Date	Sep 19, 2018
Book Page	M964/001
Instrument	5080941

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Oct 1, 2019
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.87%

Tax Assessment & Valuation

The 2025 property tax bill for 3943 Smith Rd was $2,876 with a homeowner's exemption.

Source: Campbell County assessment roll, as of April 1, 2025

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	$2,876.00 Homeowner's exemption	$290,400 Land $50,000 Building $240,400	$290,400 Land $50,000 Building $240,400
2023	$1,663.00 (-7.92%) Homeowner's exemption	$185,000 (-) Land $20,000 Building $165,000	$185,000 (-) Land $20,000 Building $165,000
2022	$1,806.00 Homeowner's exemption	$185,000 Land $20,000 Building $165,000	$185,000 Land $20,000 Building $165,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3943 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 3943 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.

Nearby Properties on Smith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures