Campbell County property record for 485 Ruschman Dr, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,956 sqft · built 2008 |
| Lot Size | 1.09 acres (47,480 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $386,500 (Apr 2011) |
| Tax Bill | $7,199 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-849.16 |
| Primary APN | 999-99-19-849.16 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,956 sqft Living Area |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Combination |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 47,480 sqft (1.09 acres) |
| Terrain | Combination |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 485 RUSCHMAN DR |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-9272 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 SEC 1 RUSCHMAN SUBD 1.09 ACRES |
| Legal Subdivision | RUSCHMAN ESTATES |
| Legal Phase | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 53100 |
Source: Campbell County records, as of March 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 485 RUSCHMAN DR, COLD SPRING, KY 41076-9272 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2011 · Amount on Record |
| Deed Sale | Apr 1, 2011 · Amount on Record |
| Prior Sale | Mar 30, 2011 · Amount on Record |
| Deed Document Number | 20114 01 11 019 000 |
| Deed Book / Page | 298 / 61 |
| Prior Transfer Date | Mar 29, 2011 |
| Prior Transfer Doc | 0001900062 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 485 RUSCHMAN DR, COLD SPRING, KY 41076-9272 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2021 |
| Title Company | COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0005128747 |
|---|---|
| Date | Mar 29, 2021 |
| Book Page | M1038/722 |
| Instrument | 5128747 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2036 |
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 | $7,199.00 (+48.25%) | $594,000 (+46.78%) Land $50,000 Building $544,000 | $594,000 (+46.78%) Land $50,000 Building $544,000 |
| 2023 | $4,856.00 (-3.99%) | $404,700 (-) Land $50,000 Building $354,700 | $404,700 (-) Land $50,000 Building $354,700 |
| 2022 | $5,058.00 | $404,700 Land $50,000 Building $354,700 | $404,700 Land $50,000 Building $354,700 |
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 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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