Campbell County property record for 5 Locust Pt, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,614 sqft · built 1989 |
| Owner | Individual Name on File |
| Last Sale | $357,500 (Dec 2017) |
| Tax Bill | $4,751 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Dec 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-701.00 |
| Primary APN | 999-99-19-701.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,614 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Dimensions | 205 ft deep x 110 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999919701.00 |
|---|---|
| Street Address | 5 LOCUST PT |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-1747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 34 SEC 3 LOCUST POINT SUBD |
| Legal Subdivision | LOCUST POINT |
| Legal Phase | 3 |
| Legal Lot Number | 34 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 52900 |
Source: Campbell County assessment roll, as of April 1, 2025
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 | 5 LOCUST PT, COLD SPRING, KY 41076-1747 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EAGLE SAVINGS BANK |
| Dec 28, 2017 | Warranty Deed, Transfer · ARM EAGLE SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 28, 2017 · Amount on Record |
| Deed Sale | Dec 28, 2017 · Amount on Record |
| Deed Document Number | 5067564 |
| Deed Book / Page | D791 / 124 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 5 LOCUST PT, COLD SPRING, KY 41076-1747 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TTL OF CINCINNATI IN |
| Name | Verified Name |
|---|
| Document Number | 0005111906 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | M2228/367 |
| Instrument | 5111906 |
| Name | EAGLE SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45248 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Dec 28, 2017 |
| Property Address | 5 LOCUST PT, COLD SPRING, KY 41076-1747 |
| Document Number | 0005067564 |
| Book / Page | D791 / 124 |
| Map Reference | MB 10 PG 27-J-2 |
| Instrument Date | Dec 20, 2017 |
| Instrument | 5067564 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | LAWYERS TITLE OF CINCINNATI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $357.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 107 FOREST AVE, 107, FORT THOMAS, KY 41075-1515 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 5 LOCUST PT, COLD SPRING, KY 41076-1747 |
| Document Number | 0005067565 |
|---|---|
| Date | Dec 28, 2017 |
| Instrument | 5067565 |
| Name | EAGLE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Jan 1, 2018 |
| Change Frequency | Annually |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 5.12% |
| Index | 1-Year CMT |
| Max Rate | 9.12% |
Source: Campbell County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Municipality | Cold Spring City |
| Unified School District | Campbell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,751.00 (+1%) | $392,000 (-) Land $75,000 Building $317,000 | $392,000 (-) Land $75,000 Building $317,000 |
| 2023 | $4,704.00 (+5.28%) | $392,000 (+9.65%) Land $75,000 Building $317,000 | $392,000 (+9.65%) Land $75,000 Building $317,000 |
| 2022 | $4,468.00 | $357,500 Land $25,000 Building $332,500 | $357,500 Land $25,000 Building $332,500 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
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 |
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 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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