485 Ivy Ridge Dr, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 485 Ivy Ridge Dr, Cold Spring, KY 41076

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,319 sqft · built 2005
Owner	Individual Name on File
Last Sale	$107,000 (Jun 2016)
Tax Bill	$1,636 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-36-867.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-36-867.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,319 sqft Living Area

Exterior

Year Built	Built 2005
Exterior Material	Combination
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	9999936867.00
Street Address	485 IVY RIDGE DR
City	COLD SPRING
State	KY
Zip	41076-8843
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	IVY RIDGE CONDOS BLDG 9 SEC 4 UNIT 485 ROSEWOOD UPPER FLOOR
Legal Subdivision	IVY RIDGE CONDOS
Legal Phase	4
Legal Unit	485
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	2
Census Block	2031
Census Tract	53301

Owner

Source: Campbell County records · APN 999-99-36-867.00

Assessment roll updated April 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	485 IVY RIDGE DR, COLD SPRING, KY 41076-8843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 29, 2016 · Amount on Record
Deed Sale	Jun 29, 2016 · Amount on Record
Prior Sale	Jun 22, 2005 · Amount on Record
Deed Document Number	5040494
Deed Book / Page	D319 / 766
Record Updated	Jun 08, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	485 IVY RIDGE DR, COLD SPRING, KY 41076-8843
Transaction Type	Mortgage
Record Updated	Aug 09, 2022
Title Company	BRIDGE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005112287
Date	Jun 29, 2020
Book Page	M1007/890
Instrument	5112287

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jul 01, 2035
Min Rate At Change	3%
Max Rate At Change	9.25%
Index	10-Year TN
Max Rate	9.25%

Tax Assessment & Valuation

Source: Campbell County records · Assessment roll updated April 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Municipality	Cold Spring City
Unified School District	Campbell County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,636.00 (+0.99%)	$135,000 (-) Building $135,000	$135,000 (-) Building $135,000
2023	$1,620.00 (+23.48%)	$135,000 (+28.57%) Building $135,000	$135,000 (+28.57%) Building $135,000
2022	$1,312.00	$105,000 Building $105,000	$105,000 Building $105,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 24, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	May 2020 · river or lake flooding

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 149 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.