Campbell County property record for 432 Ruschman Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,932 sqft · built 2002 |
| Lot Size | 6.32 acres (275,735 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $69,000 (Mar 2002) |
| Tax Bill | $7,108 (2025) |
| Deeds & Mortgages | Jan 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-849.08 |
| Primary APN | 999-99-19-849.08 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Stories | 2 Stories |
| Building Area | 2,932 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 275,735 sqft (6.32 acres) |
| Terrain | Combination |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999919849.08 |
|---|---|
| Street Address | 432 RUSCHMAN DR |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-9271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RESUBD LOT 2 SEC 1 RUSCHMAN SUBD 6.33 ACRES |
| Legal Subdivision | RUSCHMAN ESTATES |
| Legal Phase | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 53100 |
432 Ruschman Dr is owned and occupied by two individuals who bought it in March 2002.
Source: Campbell County records, as of March 6, 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 File |
|---|---|
| Mailing Address | 432 RUSCHMAN DR, COLD SPRING, KY 41076-9271 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 19, 2002 · Amount on File |
| Deed Sale | Mar 19, 2002 · Amount on File |
| Prior Sale | Oct 14, 1997 · Amount on File |
| Deed Document Number | 0000254496 |
| Prior Transfer Date | Oct 11, 2000 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 432 RUSCHMAN DR, COLD SPRING, KY 41076-9271 |
| Document Number | 0005069259 |
| Instrument Date | Jan 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2018 |
| Title Company | PRIORITY NATIONAL TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 432 RUSCHMAN DR COLD SPRING KY 410769271, COLD SPRING, KY 41076-9271 |
| Document Number | 0005069259 |
|---|---|
| Date | Feb 8, 2018 |
| Book Page | 000951/000270 |
| Instrument | 5069259 |
| Name | KEMBA CU |
|---|---|
| Type | Credit Union |
| Address | WEST CHESTER, OH 45069 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 7, 2033 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 432 Ruschman Dr was $7,108.
Source: Campbell County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Unified School District | Campbell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,108.00 | $586,500 Land $75,000 Building $511,500 | $586,500 Land $75,000 Building $511,500 |
| 2023 | $4,896.00 (-4%) | $408,000 (-) Land $75,000 Building $333,000 | $408,000 (-) Land $75,000 Building $333,000 |
| 2022 | $5,100.00 | $408,000 Land $75,000 Building $333,000 | $408,000 Land $75,000 Building $333,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 432 Ruschman Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective August 24, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 432 Ruschman 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 | Direct burnable vegetation |
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 39 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 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures