Campbell County property record for 413 Millrace Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,252 sqft · built 1992 |
| Lot Size | 0.298 acres (13,010 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $249,900 (Jun 2018) |
| Tax Bill | $3,706 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-734.00 |
| Primary APN | 999-99-19-734.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,252 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Combination |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,010 sqft (0.298 acres) |
| Terrain | Combination |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 413 MILLRACE DR |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-2184 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 80 SEC 5 STURBRIDGE SUBD |
| Legal Subdivision | STURBRIDGE |
| Legal Phase | 5 |
| Legal Lot Number | 80 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 53100 |
Source: Campbell County records, as of March 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1050 WOODWARD AVE, DETROIT, MI 48226-3573 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 25, 2023 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Oct 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Oct 19, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Jun 29, 2018 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2018 · Amount on Record |
| Deed Sale | Jun 29, 2018 · Amount on Record |
| Prior Sale | Mar 3, 2006 · Amount on Record |
| Deed Document Number | 20185076084 |
| Deed Book / Page | 330 / 44 |
| Prior Transfer Date | Jun 20, 2012 |
| Prior Transfer Doc | 0001900123 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 413 MILLRACE DR, COLD SPRING, KY 41076-2184 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 413 MILLRACE DR, COLD SPRING, KY 41076-2184 |
| Document Number | 0005184184 |
|---|---|
| Date | Jul 25, 2023 |
| Book Page | M1105/728 |
| Instrument | 5184184 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 25, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 413 MILLRACE DR, COLD SPRING, KY 41076-2184 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0005142117 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | M1060/870 |
| Instrument | 5142117 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 413 MILLRACE DR, COLD SPRING, KY 41076-2184 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0005118090 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | M1017/801 |
| Instrument | 5118090 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Sep 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 413 MILLRACE DR, COLD SPRING, KY 41076-2184 |
| Document Number | 0005100111 |
| Instrument Date | Oct 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 MILLRACE DR COLD SPRING KY 410762184, COLD SPRING, KY 41076-2184 |
| Document Number | 0005100111 |
|---|---|
| Date | Nov 6, 2019 |
| Book Page | 000989/000239 |
| Instrument | 5100111 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 5, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jun 29, 2018 |
| Property Address | 413 MILLRACE DR, COLD SPRING, KY 41076-2184 |
| Document Number | 0005076084 |
| Book / Page | 000330 / 000044 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 5076084 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $249.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 413 MILLRACE DR COLD SPRING KY 410762184, COLD SPRING, KY 41076-2184 |
| Document Number | 5076085 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 000959/000282 |
| Instrument | 5076085 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 28, 2048 |
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 | $3,706.00 (+1.01%) | $305,800 (-) Land $50,000 Building $255,800 | $305,800 (-) Land $50,000 Building $255,800 |
| 2023 | $3,669.00 (+17.48%) | $305,800 (+22.37%) Land $50,000 Building $255,800 | $305,800 (+22.37%) Land $50,000 Building $255,800 |
| 2022 | $3,123.00 | $249,900 Land $24,000 Building $225,900 | $249,900 Land $24,000 Building $225,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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