4 Rainbow Ct, Melbourne, KY 41059 Property Records

Campbell County property record for 4 Rainbow Ct, Melbourne, KY 41059

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,152 sqft · built 1994
Lot Size	1.42 acres (61,884 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Jan 2019)
Tax Bill	$5,450 (2025)
Deeds & Mortgages	Feb 2026 Transfer Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-28-209.04`

Property Details

APN / Parcel Number

Primary APN	`999-99-28-209.04`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,152 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Combination
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	61,884 sqft (1.42 acres)
Garage Type	Attached
Garage Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	4 RAINBOW CT
City	MELBOURNE
State	KY
Zip	41059-9606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 SEC 2 RAINTREE SUBD
Legal Subdivision	RAINTREE SUB
Legal Phase	2
Legal Lot Number	15
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	1
Census Block	1015
Census Tract	53100

Owner

4 Rainbow Ct is owned and occupied by an individual who acquired it in January 2026.

Source: Campbell County records, as of March 11, 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	4 RAINBOW CT, MELBOURNE, KY 41059-9606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Intrafamily Transfer, Transfer
Mar 1, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 22, 2019	Warranty Deed, Transfer · VA Mortgage AMERICAN MORTGAGE SERVICE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2019 · Amount on File
Deed Sale	Jan 22, 2019 · Amount on File
Prior Sale	Jan 17, 1997 · Amount on File
Deed Document Number	20195086266
Deed Book / Page	332 / 702
Last Transfer Date	Jan 28, 2026
Transfer Doc	0006025002
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAMPBELL KY
Recording Date	Feb 25, 2026
Property Address	4 RAINBOW CT, MELBOURNE, KY 41059-9606
Document Number	0006025002
Book / Page	D377 / 549
Map Reference	SL 89
Instrument Date	Jan 28, 2026
Instrument	6025002
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 YELLOWWOOD CT, ALEXANDRIA, KY 41001-8532

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 RAINBOW CT, MELBOURNE, KY 41059-9606

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	4 RAINBOW CT, MELBOURNE, KY 41059-9606
Transaction Type	Mortgage
Record Updated	Mar 18, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005126834
Date	Mar 1, 2021
Book Page	M1034/481
Instrument	5126834

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	292 Months
Due	Jul 1, 2045

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	4 RAINBOW CT, MELBOURNE, KY 41059-9606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005110249
Date	May 22, 2020
Book Page	M1004/342
Instrument	5110249

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2045

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Jan 22, 2019
Property Address	4 RAINBOW CT, MELBOURNE, KY 41059-9606
Document Number	0005086266
Book / Page	D332 / 702
Map Reference	SL 89A
Instrument Date	Jan 11, 2019
Instrument	5086266
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	521 TUSCANY VALLEY CT # CT6, 521, CRESTVIEW HILLS, KY 41017-5475

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4 RAINBOW CT, MELBOURNE, KY 41059-9606

Mortgage

Document Number	0005086267
Date	Jan 22, 2019
Instrument	5086267

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4 Rainbow Ct was $5,450.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,450.00	$449,700 Land $70,000 Building $379,700	$449,700 Land $70,000 Building $379,700
2023	$4,500.00 (-3.99%)	$375,000 (-) Land $43,000 Building $332,000	$375,000 (-) Land $43,000 Building $332,000
2022	$4,687.00	$375,000 Land $43,000 Building $332,000	$375,000 Land $43,000 Building $332,000

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

Flood

FEMA maps place 4 Rainbow Ct in Zone X, an area of minimal flood risk, though there have been 22 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 24 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	22 (1979–2018)
Claims Outside the SFHA	3 of 22
Most Recent Claim	May 2018 · rainfall accumulation
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 8 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 4 Rainbow Ct 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	None beyond ember reach

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 111 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: Verizon.

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