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

Campbell County property record for 498 Ruschman Dr, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,400 sqft · built 2001
Lot Size	4.15 acres (181,210 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (May 2001)
Tax Bill	$5,525 (2025)
Deeds & Mortgages	Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-19-849.22`

Property Details

APN / Parcel Number

Primary APN	`999-99-19-849.22`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,400 sqft Living Area

Exterior

Year Built	Built 2001
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	181,210 sqft (4.15 acres)
Terrain	Combination
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Old Parcel Number	9999919849.22
Street Address	498 RUSCHMAN DR
City	COLD SPRING
State	KY
Zip	41076-9271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESUBD LOT 9C SEC 1 RUSCHMAN ESTATES 4.16 ACRES
Legal Subdivision	RUSCHMAN ESTATES
Legal Phase	1
Legal Lot Number	9C
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	2 Individual Names on Record
Mailing Address	498 RUSCHMAN DR, COLD SPRING, KY 41076-9271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2001 · Amount on Record
Deed Sale	May 1, 2001 · Amount on Record
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	498 RUSCHMAN DR, COLD SPRING, KY 41076-9271
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005098868
Date	Oct 11, 2019
Book Page	M987/185
Instrument	5098868

Lender

Name	UNION SAVINGS BANK
Type	Credit Union
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2039

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	$5,525.00 (+59.54%) Homeowner's exemption Disabled Person's exemption	$505,000 (+50.75%) Land $125,000 Building $380,000	$505,000 (+50.75%) Land $125,000 Building $380,000
2023	$3,463.00 (-5.92%) Homeowner's exemption Disabled Person's exemption	$335,000 (-) Land $75,000 Building $260,000	$335,000 (-) Land $75,000 Building $260,000
2022	$3,681.00 Homeowner's exemption Disabled Person's exemption	$335,000 Land $75,000 Building $260,000	$335,000 Land $75,000 Building $260,000

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
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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