Campbell County property record for 404 Millrace Dr, Cold Spring, KY 41076 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1994 |
| Square Footage | 1,389 sqft Living Area |
| Garage | Attached, 420 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $334,525 (2026) |
| Tax Bill | $3,030.00 (2025) |
| Primary APN | 999-99-18-157.04 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,389 sqft Living Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Combination Exterior |
| Foundation Type | Concrete Foundation |
| Roof Material | Composition Shingle Roof |
| Depth X Width | 200 ft x 75 ft Depth x Width |
| Garage Type | Attached Garage |
| Garage Area | 420 sqft Garage |
| Topography | Combo Topography |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Old Parcel Number | 9999918157.04 |
|---|---|
| Street Address | 404 MILLRACE DR |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-2183 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 106 SEC 5 STURBRIDGE SUBD |
| Legal Subdivision | STURBRIDGE |
| Legal Phase | 5 |
| Legal Lot Number | 106 |
| Jurisdiction | CAMPBELL KY |
| Minor Civil Division | NEWPORT-FORT THOMAS |
| Census Blockgroup | 4 |
| Census Block | 4004 |
| Census Tract | 53100 |
Source: Campbell County records · APN 999-99-18-157.04
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 | 404 MILLRACE DR, COLD SPRING, KY 41076-2183 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 25, 2026 | Warranty Deed, Transfer |
| Aug 02, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| May 22, 2017 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/NTHRN KY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 25, 2026 · Amount on Record |
| Deed Sale | Feb 25, 2026 · Amount on Record |
| Prior Sale | Aug 02, 2021 · Amount on Record |
| Deed Doc Number | 6025100 |
| Deed Book / Page | D377 / 552 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Feb 25, 2026 |
| Property Address | 404 MILLRACE DR, COLD SPRING, KY 41076-2183 |
| Document Number | 0006025100 |
| Book / Page | D377 / 552 |
| Map Reference | SL 36-A |
| Instrument Date | Feb 20, 2026 |
| Instrument | 6025100 |
| Transaction Type | Transfer |
| Record Updated | Mar 09, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $335.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 404 MILLRACE DR, COLD SPRING, KY 41076-2183 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 404 MILLRACE DR, COLD SPRING, KY 41076-2183 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Aug 02, 2021 |
| Property Address | 404 MILLRACE DR, COLD SPRING, KY 41076-2183 |
| Document Number | 0005137062 |
| Book / Page | D348 / 239 |
| Map Reference | SL 36-A |
| Instrument Date | Jul 27, 2021 |
| Instrument | 5137062 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 940 HIGHLAND AVE, 940, FORT THOMAS, KY 41075-4165 |
| Name | Verified Name |
|---|---|
| Address | 404 MILLRACE DR, COLD SPRING, KY 41076-2183 |
| Document Number | 0005137063 |
|---|---|
| Date | Aug 02, 2021 |
| Instrument | 5137063 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 404 MILLRACE DR, COLD SPRING, KY 41076-2183 |
| Document Number | 0005057710 |
| Book / Page | 000937 / 000158 |
| Instrument Date | May 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 07, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 404 MILLRACE DR COLD SPRING KY 410762183, COLD SPRING, KY 41076-2183 |
| Document Number | 0005057710 |
|---|---|
| Date | Jun 07, 2017 |
| Book Page | 000937/000158 |
| Instrument | 5057710 |
| Name | FIFTH THIRD BK/NTHRN KY |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 06, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $3,030.00 (+1%) | $250,000 (-) Land $50,000 Building $200,000 | $250,000 (-) Land $50,000 Building $200,000 |
| 2023 | $3,000.00 (-4%) | $250,000 (-) Land $50,000 Building $200,000 | $250,000 (-) Land $50,000 Building $200,000 |
| 2022 | $3,125.00 | $250,000 Land $25,000 Building $225,000 | $250,000 Land $25,000 Building $225,000 |
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 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 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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