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

Campbell County property record for 496 Ruschman Dr, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,132 sqft · built 1999
Lot Size	4.82 acres (209,959 sqft)
Owner	2 Individual Names on Record
Last Sale	$307,500 (Dec 2007)
Tax Bill	$6,969 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Sep 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-19-849.21`

Property Details

APN / Parcel Number

Primary APN	`999-99-19-849.21`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,132 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Combination
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	209,959 sqft (4.82 acres)
Terrain	Combination

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	496 RUSCHMAN DR
City	COLD SPRING
State	KY
Zip	41076-9271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESUBD LOT 9B & PT 9 SEC 1 RUSCHMAN ESTATES 4.82 ACRES
Legal Subdivision	RUSCHMAN ESTATES
Legal Phase	1
Legal Lot Number	9B
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 October 12, 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 Record
Mailing Address	496 RUSCHMAN DR, COLD SPRING, KY 41076-9271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORPORATION
Sep 21, 2020	Deed of Trust, Mortgage · Line of Credit KEMBA CREDIT UNION INC
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Aug 7, 2017	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2007 · Amount on Record
Deed Sale	Dec 27, 2007 · Amount on Record
Prior Sale	Mar 9, 1999 · Amount on Record
Deed Document Number	200712 27 07 019 00
Deed Book / Page	286 / 504
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Recording Date	Oct 2, 2026
Property Address	496 RUSCHMAN DR, COLD SPRING, KY 41076-9271
Document Number	0006262618
Book / Page	1174 / 715
Instrument Date	Sep 14, 2026
Instrument	20266262618
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 RUSCHMAN DR, COLD SPRING, KY 41076-9271

Mortgage

Document Number	0006262618,
Date	Oct 2, 2026
Book Page	1174/715
Instrument	20266262618

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 9, 2046

Interest

Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	496 RUSCHMAN DR, COLD SPRING, KY 41076-9271
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 RUSCHMAN DR, COLD SPRING, KY 41076-9271

Mortgage

Document Number	0005117470
Date	Sep 21, 2020
Book Page	M1016/800
Instrument	5117470

Lender

Name	KEMBA CREDIT UNION INC
Type	Credit Union
Address	WEST CHESTER, OH 45069

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Aug 7, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	496 RUSCHMAN DR, COLD SPRING, KY 41076-9271
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	KENTUCKY LAND TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005111638
Date	Jun 18, 2020
Book Page	M1007/34
Instrument	5111638

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

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

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAMPBELL KY
Recording Date	Aug 7, 2017
Property Address	496 RUSCHMAN DR, COLD SPRING, KY 41076-9271
Document Number	0005060792
Book / Page	000325 / 000488
Instrument Date	Aug 4, 2017
Instrument	5060792
Transaction Type	Transfer
Record Updated	Aug 31, 2017
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	496 RUSCHMAN DR COLD SPRING KY 410769271, COLD SPRING, KY 41076-9271

Mortgage

Document Number	5060793
Date	Aug 7, 2017
Book Page	000941/000198
Instrument	5060793

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2047

Tax Assessment & Valuation

Source: Campbell County assessment roll, as of March 9, 2026

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	$6,969.00 (+33.43%)	$575,000 (+32.09%) Land $85,000 Building $490,000	$575,000 (+32.09%) Land $85,000 Building $490,000
2023	$5,223.00 (-4.01%)	$435,300 (-) Land $85,000 Building $350,300	$435,300 (-) Land $85,000 Building $350,300
2022	$5,441.00	$435,300 Land $85,000 Building $350,300	$435,300 Land $85,000 Building $350,300

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 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

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

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