Campbell County property record for 4 Louis Cir, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,032 sqft · built 1974 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $217,900 (Nov 2010) |
| Tax Bill | $3,694 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jan 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-20-155.00 |
| Primary APN | 999-99-20-155.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,032 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Combination |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4 LOUIS CIR |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-1808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 68 MADONNA ESTATES SEC G |
| Legal Subdivision | MADONNA ESTATES |
| Legal Phase | G |
| Legal Lot Number | 68 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 52900 |
Source: Campbell County assessment roll, 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 | 2 Individuals on Record |
|---|---|
| Mailing Address | 4 LOUIS CIR, COLD SPRING, KY 41076-1808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK INC |
| Jan 27, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF NORTHERN KENTUCKY INC |
| Jan 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK OF NORTHERN KENTUCKY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 29, 2010 · Amount on Record |
| Deed Sale | Nov 29, 2010 · Amount on Record |
| Prior Sale | Dec 4, 2000 · Amount on Record |
| Deed Document Number | 201011 29 019 00007 |
| Deed Book / Page | 296 / 893 |
| Prior Transfer Date | Aug 2, 2005 |
| Prior Transfer Doc | 0001900226 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 4 LOUIS CIR, COLD SPRING, KY 41076-1808 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005144639 |
|---|---|
| Date | Dec 3, 2021 |
| Book Page | M1065/593 |
| Instrument | 5144639 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | BURLINGTON, KY 41005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 4 LOUIS CIR, COLD SPRING, KY 41076-1808 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005051404 |
|---|---|
| Date | Jan 27, 2017 |
| Book Page | M929/776 |
| Instrument | 5051404 |
| Name | CITIZENS BANK OF NORTHERN KENTUCKY INC |
|---|---|
| Type | Bank |
| Address | BELLEVUE, KY 41073 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 15, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 4 LOUIS CIR, COLD SPRING, KY 41076-1808 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005051123 |
|---|---|
| Date | Jan 20, 2017 |
| Book Page | M929/292 |
| Instrument | 5051123 |
| Name | CITIZENS BANK OF NORTHERN KENTUCKY INC |
|---|---|
| Type | Bank |
| Address | NEWPORT, KY 41071 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2032 |
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 | $3,694.00 (+1.01%) | $304,800 (-) Land $50,000 Building $254,800 | $304,800 (-) Land $50,000 Building $254,800 |
| 2023 | $3,657.00 (+31.59%) | $304,800 (+37.05%) Land $50,000 Building $254,800 | $304,800 (+37.05%) Land $50,000 Building $254,800 |
| 2022 | $2,779.00 | $222,400 Land $25,000 Building $197,400 | $222,400 Land $25,000 Building $197,400 |
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 142 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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