Campbell County property record for 4 Ervin Cir, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,060 sqft · built 1972 |
| Lot Size | 0.324 acres (14,116 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Aug 2018) |
| Tax Bill | $3,108 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Aug 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-876.00 |
| Primary APN | 999-99-19-876.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,060 sqft Living Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Multi-Family |
| Exterior Material | Combination |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,116 sqft (0.324 acres) |
| Pool Type | In-Ground Vinyl Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4 ERVIN CIR |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-1805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 48 SEC F MADONNA EST |
| Legal Subdivision | MADONNA ESTATES |
| Legal Phase | F |
| Legal Lot Number | 48 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 52900 |
Source: Campbell County records, as of March 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | HIGHLAND HEIGHTS, KY 41076 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2021 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK |
| Aug 29, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Aug 6, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 6, 2018 · Amount on Record |
| Deed Sale | Aug 6, 2018 · Amount on Record |
| Deed Document Number | 20185078451 |
| Deed Book / Page | 330 / 555 |
| Prior Transfer Date | Jul 20, 2018 |
| Prior Transfer Doc | 0005078451 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 4 ERVIN CIR, COLD SPRING, KY 41076-1805 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005146201 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | M1068/568 |
| Instrument | 5146201 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 4 ERVIN CIR, COLD SPRING, KY 41076-1805 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|
| Document Number | 0005096619 |
|---|---|
| Date | Aug 29, 2019 |
| Book Page | M983/581 |
| Instrument | 5096619 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 8, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Aug 6, 2018 |
| Property Address | 4 ERVIN CIR, COLD SPRING, KY 41076-1805 |
| Document Number | 0005078451 |
| Book / Page | D330 / 555 |
| Map Reference | MB 5 PG 32A-4 |
| Instrument Date | Jul 20, 2018 |
| Instrument | 5078451 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 ERVIN CIR, COLD SPRING, KY 41076-1805 |
| Document Number | 0005078453 |
|---|---|
| Date | Aug 6, 2018 |
| Instrument | 5078453 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 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 | $3,108.00 (+0.97%) | $256,500 (-) Land $50,000 Building $206,500 | $256,500 (-) Land $50,000 Building $206,500 |
| 2023 | $3,078.00 (+36.8%) | $256,500 (+42.5%) Land $50,000 Building $206,500 | $256,500 (+42.5%) Land $50,000 Building $206,500 |
| 2022 | $2,250.00 | $180,000 Land $25,000 Building $155,000 | $180,000 Land $25,000 Building $155,000 |
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 · 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 4 (1997–2018) |
| Most Recent Claim | Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
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.
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 | 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 | 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 165 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 |
| AT&T Fixed Wireless | 100 / 20 |
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