Campbell County property record for 426 Millrace Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,886 sqft · built 1989 |
| Lot Size | 0.476 acres (20,740 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $338,000 (Oct 2020) |
| Tax Bill | $4,547 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-20-539.00 |
| Primary APN | 999-99-20-539.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,886 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Combination |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 20,740 sqft (0.476 acres) |
| Terrain | Combination |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 426 MILLRACE DR |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-2190 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 89 SEC 6 STURBRIDGE SUBD |
| Legal Subdivision | STURBRIDGE |
| Legal Phase | 6 |
| Legal Lot Number | 89 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 426 MILLRACE DR, COLD SPRING, KY 41076-2190 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Oct 5, 2020 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2020 · Amount on Record |
| Deed Sale | Oct 5, 2020 · Amount on Record |
| Deed Document Number | 20205118457 |
| Deed Book / Page | 342 / 393 |
| Prior Transfer Date | Jul 29, 2011 |
| Prior Transfer Doc | 0001900195 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 426 MILLRACE DR, COLD SPRING, KY 41076-2190 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AGILITY CLOSING & TITLE SERV |
| Name | Verified Name |
|---|
| Document Number | 0005066102 |
|---|---|
| Date | Nov 28, 2017 |
| Book Page | M947/455 |
| Instrument | 5066102 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Oct 5, 2020 |
| Property Address | 426 MILLRACE DR, COLD SPRING, KY 41076-2190 |
| Document Number | 0005118457 |
| Book / Page | D342 / 393 |
| Map Reference | SL 36-B |
| Instrument Date | Sep 30, 2020 |
| Instrument | 5118457 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $338.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 426 MILLRACE DR, COLD SPRING, KY 41076-2190 |
| Document Number | 0005118458 |
|---|---|
| Date | Oct 5, 2020 |
| Instrument | 5118458 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
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 | $4,547.00 (+1%) | $375,200 (-) Land $50,000 Building $325,200 | $375,200 (-) Land $50,000 Building $325,200 |
| 2023 | $4,502.00 (+6.56%) | $375,200 (+11.01%) Land $50,000 Building $325,200 | $375,200 (+11.01%) Land $50,000 Building $325,200 |
| 2022 | $4,225.00 | $338,000 Land $24,000 Building $314,000 | $338,000 Land $24,000 Building $314,000 |
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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