Campbell County property record for 402 Downing St, Cold Spring, KY 41076 · Last verified March 2026
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3 ba · 2,516 sqft · built 1984 |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Feb 2019) |
| Tax Bill | $1,745 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-112.00 |
| Primary APN | 999-99-19-112.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,516 sqft Living Area |
| Year Built | Built 1984 |
|---|---|
| Exterior Material | Combination |
| 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 | 9999919112.00 |
|---|---|
| Street Address | 402 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 402 LEVEL ALL |
| Legal Subdivision | LONDON ACRES SOUTH |
| Legal Lot Number | LA |
| Legal Unit | 402 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 52900 |
Source: Campbell County records · APN 999-99-19-112.00
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 402 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 |
| Mar 25, 2019 | Loan Modification, Mortgage PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Feb 13, 2019 | Warranty Deed, Transfer · ARM UNION SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 13, 2019 · Amount on Record |
| Deed Sale | Feb 13, 2019 · Amount on Record |
| Prior Sale | Oct 25, 2016 · Amount on Record |
| Deed Document Number | 5087175 |
| Deed Book / Page | D800 / 832 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 402 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 | 0005144185 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | M2318/466 |
| Instrument | 5144185 |
| Name | CINCINNATI FSLA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45247 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 402 DOWNING ST, COLD SPRING, KY 41076-1862 |
| Document Number | 0005089292 |
| Instrument Date | Mar 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2019 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 402 DOWNING ST COLD SPRING KY 410761862, COLD SPRING, KY 41076-1862 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Feb 13, 2019 |
| Property Address | 402 DOWNING ST, COLD SPRING, KY 41076-1862 |
| Document Number | 0005087175 |
| Book / Page | D800 / 832 |
| Map Reference | CAB C SL 584B&585A |
| Instrument Date | Feb 08, 2019 |
| Instrument | 5087175 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 402 DOWNING ST, 402, COLD SPRING, KY 41076-1862 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 402 DOWNING ST, COLD SPRING, KY 41076-1862 |
| Document Number | 0005087176 |
|---|---|
| Date | Feb 13, 2019 |
| Instrument | 5087176 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Mar 01, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Max Rate | 10.5% |
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 and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,745.00 (+0.98%) | $144,000 (-) Building $144,000 | $144,000 (-) Building $144,000 |
| 2023 | $1,728.00 (+10.63%) | $144,000 (+15.2%) Building $144,000 | $144,000 (+15.2%) Building $144,000 |
| 2022 | $1,562.00 | $125,000 Building $125,000 | $125,000 Building $125,000 |
Source: FEMA National Flood Hazard Layer, Campbell County (21037C), updated August 24, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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