Campbell County property record for 502 Downing St, Cold Spring, KY 41076
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,035 sqft · built 1984 |
| Owner | Individual Name on Record |
| Last Sale | $87,000 (Dec 2020) |
| Tax Bill | $1,054 (2025) |
| Deeds & Mortgages | Jun 2019 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-805.00 |
| Primary APN | 999-99-19-805.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,035 sqft Living Area |
| Year Built | Built 1984 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999919805.00 |
|---|---|
| Street Address | 502 DOWNING ST |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-3504 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | LONDON ACRES SOUTH CONDOS LOT LA-5 BLDG LA-5 UNIT 502 ENTRY LEVEL |
| Legal Subdivision | LONDON ACRES SOUTH |
| Legal Lot Number | LA |
| Legal Unit | 502 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 52900 |
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 | 205 DOWNING ST, COLD SPRING, KY 41076 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 27, 2019 | Deed of Trust, Mortgage · ARM L&N FCU |
| Dec 29, 2020 | Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2020 · Amount on Record |
| Deed Sale | Dec 29, 2020 · Amount on Record |
| Prior Sale | Jun 20, 2013 · Amount on Record |
| Deed Document Number | 5123489 |
| Deed Book / Page | D820 / 392 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 502 DOWNING ST, COLD SPRING, KY 41076-3504 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BRIDGETRUST TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0005093408 |
|---|---|
| Date | Jun 27, 2019 |
| Book Page | M2183/407 |
| Instrument | 5093408 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jun 1, 2034 |
| Min Rate At Change | 3% |
| Max Rate At Change | 11% |
| Index | 10-Year TN |
| Max Rate | 11% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Dec 29, 2020 |
| Property Address | 502 DOWNING ST, COLD SPRING, KY 41076-3504 |
| Document Number | 0005123489 |
| Book / Page | D820 / 392 |
| Map Reference | MB 115 PG 1 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 5123489 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | KENTUCKY LAND TITLE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $87.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10147 BLOSSOM DR, 10147, COLD SPRING, KY 41026 |
| Name | Verified Name |
|---|---|
| Address | 205 DOWNING STREET, COLD SPRGS HI, KY 41076 |
| Document Number | 0005123490 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 5123490 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
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 | $1,054.00 (+0.96%) | $87,000 (-) Building $87,000 | $87,000 (-) Building $87,000 |
| 2023 | $1,044.00 (-3.96%) | $87,000 (-) Building $87,000 | $87,000 (-) Building $87,000 |
| 2022 | $1,087.00 | $87,000 Building $87,000 | $87,000 Building $87,000 |
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 9 (5% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 4 (1997–2018) |
| Most Recent Claim | Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
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 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 97 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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