Campbell County property record for 424 Millrace Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,511 sqft · built 1992 |
| Owner | Company Name on Record |
| Tax Bill | $4,125 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-18-380.00 |
| Primary APN | 999-99-18-380.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,511 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Dimensions | 160 ft deep x 51 ft wide |
| Terrain | Combination |
| Garage Type | Attached |
| Pool Type | In-Ground Vinyl Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999918380.00 |
|---|---|
| Street Address | 424 MILLRACE DR |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-2190 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 90 SEC 6 STURBRIDGE SUBD |
| Legal Subdivision | STURBRIDGE |
| Legal Phase | 6 |
| Legal Lot Number | 90 |
| 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 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 424 MILLRACE DR, COLD SPRING, KY 41076-2190 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Prior Sale | May 16, 2001 · Amount on Record |
| Last Transfer Date | Jun 18, 2024 |
| Transfer Doc | 0005344478 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 424 MILLRACE DR, COLD SPRING, KY 41076-2190 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 424 MILLRACE DR, COLD SPRING, KY 41076-2190 |
| Document Number | 0005185193 |
|---|---|
| Date | Jul 31, 2023 |
| Book Page | M1106/227 |
| Instrument | 5185193 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 18, 2043 |
Source: Campbell County assessment roll, as of April 1, 2025
| 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 | $4,125.00 (+12.67%) Homeowner's exemption | $389,500 (+10.81%) Land $60,000 Building $329,500 | $389,500 (+10.81%) Land $60,000 Building $329,500 |
| 2023 | $3,661.00 (+24.86%) Homeowner's exemption | $351,500 (+27.77%) Land $60,000 Building $291,500 | $351,500 (+27.77%) Land $60,000 Building $291,500 |
| 2022 | $2,932.00 Homeowner's exemption | $275,100 Land $24,000 Building $251,100 | $275,100 Land $24,000 Building $251,100 |
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 136 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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