Campbell County property record for 402 Millrace Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,308 sqft · built 1994 |
| Lot Size | 0.321 acres (14,023 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Jul 2022) |
| Tax Bill | $4,848 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Nov 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-18-157.06 |
| Primary APN | 999-99-18-157.06 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,308 sqft Living Area |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Combination |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,023 sqft (0.321 acres) |
| Terrain | Combination |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 402 MILLRACE DR |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-2183 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 107 SEC 4 STURBRIDGE SUBD |
| Legal Subdivision | STURBRIDGE |
| Legal Phase | 4 |
| Legal Lot Number | 107 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 53100 |
402 Millrace Dr is owned by two individuals who bought it in July 2022.
Source: Campbell County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5001 KINGSLEY DR, CINCINNATI, OH 45227-1114 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 12, 2024 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Nov 9, 2017 | Deed of Trust, Mortgage · Line of Credit SHIRLEY A PHILLIPS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2022 · Amount on File |
| Deed Sale | Jul 26, 2022 · Amount on File |
| Prior Sale | Dec 7, 2006 · Amount on File |
| Deed Document Number | 20225156951 |
| Deed Book / Page | 355 / 227 |
| Prior Transfer Date | Mar 28, 2012 |
| Prior Transfer Doc | 0001900091 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 402 MILLRACE DR, COLD SPRING, KY 41076-2183 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 402 MILLRACE DR, COLD SPRING, KY 41076-2183 |
| Document Number | 0005318672 |
|---|---|
| Date | Jan 12, 2024 |
| Book Page | M1114/70 |
| Instrument | 5318672 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 25, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 402 MILLRACE DR, COLD SPRING, KY 41076-2183 |
| Document Number | 0005066251 |
| Book / Page | 000947 / 000701 |
| Instrument Date | Nov 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | PO BOX 307 ALEXANDRIA KY 410010307, ALEXANDRIA, KY 41001-0307 |
| Investor | Possibly a Property Investor |
| Document Number | 0005066251 |
|---|---|
| Date | Dec 1, 2017 |
| Book Page | 000947/000701 |
| Instrument | 5066251 |
| Name | SHIRLEY A PHILLIPS |
|---|---|
| Address | PO BOX 35, HEBRON, KY 41048-0035 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Nov 30, 2020 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 402 Millrace Dr was $4,848.
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 | $4,848.00 | $400,000 Land $50,000 Building $350,000 | $400,000 Land $50,000 Building $350,000 |
| 2023 | $4,800.00 (+50.71%) | $400,000 (+56.99%) Land $50,000 Building $350,000 | $400,000 (+56.99%) Land $50,000 Building $350,000 |
| 2022 | $3,185.00 | $254,800 Land $24,000 Building $230,800 | $254,800 Land $24,000 Building $230,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 Millrace Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 24, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 402 Millrace Dr 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 | 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 110 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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