Campbell County property record for 401 Downing St, Cold Spring, KY 41076 · Last verified March 2026
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 2,587 sqft · built 1984 |
| Owner | Individual Name on File |
| Last Sale | $219,000 (Sep 2025) |
| Tax Bill | $1,545 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-18-324.00 |
| Primary APN | 999-99-18-324.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,587 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999918324.00 |
|---|---|
| Street Address | 401 DOWNING ST |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-1862 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | LONDON ACRES SOUTH CONDOS LOT LA-4 BLDG LA-4 UNIT 401 LEVEL ENTRY |
| Legal Subdivision | LONDON ACRES SOUTH |
| Legal Lot Number | LA |
| Legal Unit | 401 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 52900 |
Source: Campbell County records · APN 999-99-18-324.00
Assessment roll updated April 1, 2025 · Last verified March 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 File |
|---|---|
| Mailing Address | 401 DOWNING ST, COLD SPRING, KY 41076-1862 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CINCINNATI FSLA |
| Sep 26, 2025 | Warranty Deed, Transfer · Conventional Mortgage THE GERMAN AMERICAN BANK |
| Nov 08, 2019 | Warranty Deed, Transfer PROMINENT TITLE AGENCY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 26, 2025 · Amount on Record |
| Deed Sale | Sep 26, 2025 · Amount on Record |
| Prior Sale | Nov 08, 2019 · Amount on Record |
| Deed Document Number | 5993140 |
| Deed Book / Page | D876 / 855 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 401 DOWNING ST, COLD SPRING, KY 41076-1862 |
| Transaction Type | Mortgage |
| Record Updated | Mar 09, 2026 |
| Title Company | LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN |
| Name | Verified Name |
|---|
| Document Number | 0005144186 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | M2318/488 |
| Instrument | 5144186 |
| Name | CINCINNATI FSLA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45247 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Sep 26, 2025 |
| Property Address | 401 DOWNING ST, COLD SPRING, KY 41076-1862 |
| Document Number | 0005993140 |
| Book / Page | D876 / 855 |
| Map Reference | MB 10 PG 22 |
| Instrument Date | Sep 24, 2025 |
| Instrument | 5993140 |
| Transaction Type | Transfer |
| Record Updated | Mar 09, 2026 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $219.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6955 TAYLOR RD, CINCINNATI, OH 45248-2030 |
| Name | Verified Name |
|---|---|
| Address | 401 DOWNING ST, COLD SPRING, KY 41076-1862 |
| Document Number | 0005993141 |
|---|---|
| Date | Sep 26, 2025 |
| Instrument | 5993141 |
| Name | THE GERMAN AMERICAN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Nov 08, 2019 |
| Property Address | 401 DOWNING ST, COLD SPRING, KY 41076-1862 |
| Document Number | 0005100225 |
| Book / Page | D807 / 439 |
| Map Reference | MB 10 PG 22-D-22-D4 |
| Instrument Date | Oct 31, 2019 |
| Instrument | 5100225 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | PROMINENT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 401 DOWNING ST, 401, COLD SPRING, KY 41076-1862 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 8534 E KEMPER RD, CINCINNATI, OH 45249-3701 |
Source: Campbell County records · Assessment roll updated April 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Municipality | Cold Spring City |
| Unified School District | Campbell County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,545.00 (-1.28%) | $127,500 (-) Building $127,500 | $127,500 (-) Building $127,500 |
| 2024 | $1,565.00 (+2.35%) | $127,500 (-) Building $127,500 | $127,500 (-) Building $127,500 |
| 2023 | $1,529.00 (+22.32%) | $127,500 (+27.5%) Building $127,500 | $127,500 (+27.5%) Building $127,500 |
| 2022 | $1,250.00 | $100,000 Building $100,000 | $100,000 Building $100,000 |
Source: FEMA National Flood Hazard Layer, Campbell County (21037C), updated August 24, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210370529004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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, river or lake flooding, Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
| Wildfire Risk | Low above 7% of the US · above 8% of Kentucky |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 97 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cincinnati Bell | Fiber | 3,000 / 3,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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