Campbell County property record for 479 Ruschman Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,150 sqft · built 1995 |
| Lot Size | 0.88 acres (38,250 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $476,000 (Jun 2021) |
| Tax Bill | $6,028 (2025) |
| Deeds & Mortgages | Oct 2021 Transfer Jun 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-849.05 |
| Primary APN | 999-99-19-849.05 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,150 sqft Living Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Combination |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 38,250 sqft (0.88 acres) |
| Lot Dimensions | 255 ft deep x 150 ft wide |
| Terrain | Combination |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 479 RUSCHMAN DR |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-9272 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 RUSCHMAN SUB |
| Legal Subdivision | RUSCHMAN ESTATES |
| Legal Lot Number | 13 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 53100 |
479 Ruschman Dr is owner-occupied and held in a trust since September 2021.
Source: Campbell County records, as of March 9, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 479 RUSCHMAN DR, COLD SPRING, KY 41076-9272 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 7, 2021 | Intrafamily Transfer, Transfer |
| Jun 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Oct 9, 2020 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2021 · Amount on File |
| Deed Sale | Jun 18, 2021 · Amount on File |
| Prior Sale | May 10, 2010 · Amount on File |
| Deed Document Number | 20215134264 |
| Deed Book / Page | 347 / 461 |
| Last Transfer Date | Sep 30, 2021 |
| Transfer Doc | 0005141593 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Oct 7, 2021 |
| Property Address | 479 RUSCHMAN DR, COLD SPRING, KY 41076-9272 |
| Document Number | 0005141593 |
| Book / Page | D349 / 664 |
| Map Reference | SL 159-B |
| Instrument Date | Sep 30, 2021 |
| Instrument | 5141593 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 479 RUSCHMAN DR, COLD SPRING, KY 41076-9272 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jun 18, 2021 |
| Property Address | 479 RUSCHMAN DR, COLD SPRING, KY 41076-9272 |
| Document Number | 0005134264 |
| Book / Page | D347 / 461 |
| Map Reference | SL 159-B |
| Instrument Date | Jun 11, 2021 |
| Instrument | 5134264 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2021 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $476.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14509 WOODSON ST, 14509, OVERLAND PARK, KS 66223-1154 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 479 RUSCHMAN DR, COLD SPRING, KY 41076-9272 |
| Document Number | 0005134265 |
|---|---|
| Date | Jun 18, 2021 |
| Instrument | 5134265 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 479 RUSCHMAN DR, COLD SPRING, KY 41076-9272 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 479 RUSCHMAN DR, COLD SPRING, KY 41076-9272 |
| Document Number | 0005118695 |
|---|---|
| Date | Oct 9, 2020 |
| Book Page | M1019/205 |
| Instrument | 5118695 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 2, 2035 |
The 2025 property tax bill for 479 Ruschman Dr was $6,028.
Source: Campbell County assessment roll, as of March 9, 2026
| 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 | $6,028.00 | $497,400 Land $50,000 Building $447,400 | $497,400 Land $50,000 Building $447,400 |
| 2023 | $5,712.00 (-4%) | $476,000 (-) Land $50,000 Building $426,000 | $476,000 (-) Land $50,000 Building $426,000 |
| 2022 | $5,950.00 | $476,000 Land $50,000 Building $426,000 | $476,000 Land $50,000 Building $426,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 479 Ruschman Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 479 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 | 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 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 |
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