488 Ruschman Dr, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 488 Ruschman Dr, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,144 sqft · built 2014
Lot Size	2.72 acres (118,483 sqft)
Owner	Individual Name on Record
Last Sale	$367,000 (Apr 2020)
Tax Bill	$4,839 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-19-849.14`

Property Details

APN / Parcel Number

Primary APN	`999-99-19-849.14`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Stories	1 Story
Building Area	2,144 sqft

Exterior

Year Built	Built 2014
Exterior Material	Brick
Lot Area	118,483 sqft (2.72 acres)
Terrain	Combination
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	9999919849.14
Street Address	488 RUSCHMAN DR
City	COLD SPRING
State	KY
Zip	41076-9271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESUBD PT LOT 9 SEC 1 RUSCHMAN SUBD 2.72 ACRES
Legal Subdivision	RUSCHMAN ESTATES
Legal Phase	1
Legal Lot Number	9
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	4
Census Block	4024
Census Tract	53100

Owner

Source: Campbell County records, as of March 6, 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 Record
Mailing Address	488 RUSCHMAN DR, COLD SPRING, KY 41076-9271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
Jul 25, 2019	Warranty Deed, Transfer · Conventional with PMI CINCINNATI FED'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2020 · Amount on Record
Deed Sale	Apr 21, 2020 · Amount on Record
Prior Sale	Jul 25, 2019 · Amount on Record
Deed Document Number	5108556
Deed Book / Page	D339 / 327
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Apr 21, 2020
Property Address	488 RUSCHMAN DR, COLD SPRING, KY 41076-9271
Document Number	0005108556
Book / Page	D339 / 327
Instrument Date	Apr 17, 2020
Instrument	5108556
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2946 CINCINNATI, 2946, ROSSVILLE, OH 45013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 RUSCHMAN DR, COLD SPRING, KY 41076-9271

Mortgage

Document Number	0005108557
Date	Apr 21, 2020
Book Page	M1001/631
Instrument	5108557

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Jul 25, 2019
Property Address	488 RUSCHMAN DR, COLD SPRING, KY 41076-9271
Document Number	0005094670
Book / Page	000335 / 000312
Instrument Date	Jun 28, 2019
Instrument	5094670
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$351.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 RUSCHMAN DR COLD SPRING KY 410769271, COLD SPRING, KY 41076-9271

Mortgage

Document Number	5094672
Date	Jul 25, 2019
Book Page	000981/000080
Instrument	5094672

Lender

Name	CINCINNATI FED'L
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2049

Tax Assessment & Valuation

Source: Campbell County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Unified School District	Campbell County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,839.00 (+9.88%)	$399,300 (+8.8%) Land $75,000 Building $324,300	$399,300 (+8.8%) Land $75,000 Building $324,300
2023	$4,404.00 (-3.99%)	$367,000 (-) Land $75,000 Building $292,000	$367,000 (-) Land $75,000 Building $292,000
2022	$4,587.00	$367,000 Land $75,000 Building $292,000	$367,000 Land $75,000 Building $292,000

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

Flood

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 100 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

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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ruschman Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures