503 Downing St, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 503 Downing St, Cold Spring, KY 41076 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,035 sqft · built 1984
Owner	Company Name on File
Last Sale	$113,000 (Nov 2022)
Tax Bill	$1,369 (2025)
Deeds & Mortgages	May 2023 Mortgage Jan 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-18-180.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-18-180.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,035 sqft Living Area

Exterior

Year Built	Built 1984
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	9999918180.00
Street Address	503 DOWNING ST
City	COLD SPRING
State	KY
Zip	41076-3504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 503 BLDG LA-5 LOT LA-5 LONDON ACRES SOUTH
Legal Subdivision	LONDON ACRES SOUTH
Legal Lot Number	LA
Legal Unit	503
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	4
Census Block	4016
Census Tract	52900

Owner

Source: Campbell County records · APN 999-99-18-180.00

Assessment roll updated April 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	10676 WINDBROOK CT, INDEPENDENCE, KY 41051-7563
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Deed of Trust, Mortgage · Commercial Mortgage GUARDIAN SAVINGS BANK
Jan 02, 2025	Deed of Trust, Mortgage · Commercial Mortgage GUARDIAN SAVINGS BANK
Nov 09, 2022	Warranty Deed, Transfer SPRINGDALE TITLE LLC
Mar 18, 2019	Warranty Deed, Transfer HOMESERVICES LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 09, 2022 · Amount on Record
Deed Sale	Nov 09, 2022 · Amount on Record
Prior Sale	Mar 18, 2019 · Amount on Record
Deed Document Number	5161845
Deed Book / Page	D845 / 584
Record Updated	Jun 08, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	503 DOWNING ST, COLD SPRING, KY 41076-3504
Transaction Type	Mortgage
Record Updated	Mar 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005173323
Date	May 10, 2023
Book Page	M2378/880
Instrument	5173323

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Apr 12, 2033

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	503 DOWNING ST, COLD SPRING, KY 41076-3504
Transaction Type	Mortgage
Record Updated	Mar 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005382275
Date	Jan 02, 2025
Book Page	M2438/574
Instrument	5382275

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	43246

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2055

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Nov 09, 2022
Property Address	503 DOWNING ST, COLD SPRING, KY 41076-3504
Document Number	0005161845
Book / Page	D845 / 584
Map Reference	MB 115 PG 1
Instrument Date	Nov 02, 2022
Instrument	5161845
Transaction Type	Transfer
Record Updated	Mar 09, 2026
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$113.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 RETREAT ST, SOUTHGATE, KY 41071-3128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10676 WINDBROOK CT, INDEPENDENCE, KY 41051-7563

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Mar 18, 2019
Property Address	503 DOWNING ST, COLD SPRING, KY 41076-3504
Document Number	0005088572
Book / Page	000801 / 000562
Instrument Date	Mar 15, 2019
Instrument	5088572
Transaction Type	Transfer
Record Updated	Apr 08, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
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	503 DOWNING ST COLD SPRING KY 410763504, COLD SPRING, KY 41076-3504

Mortgage

Document Number	5088574
Date	Mar 18, 2019
Book Page	002173/000547
Instrument	5088574

Lender

Name	HOMESERVICES LNDG
Address	WEST DES MOINES, IA 50266

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2049

Tax Assessment & Valuation

Source: Campbell County records · Assessment roll updated April 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Municipality	Cold Spring City
Unified School District	Campbell County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,369.00 (+0.96%)	$113,000 (-) Building $113,000	$113,000 (-) Building $113,000
2023	$1,356.00 (+44.72%)	$113,000 (+50.67%) Building $113,000	$113,000 (+50.67%) Building $113,000
2022	$937.00	$75,000 Building $75,000	$75,000 Building $75,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Campbell County (21037C), updated August 24, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210370529004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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, river or lake flooding, Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides

Wildfire

Wildfire Risk	Low above 7% of the US · above 8% of Kentucky
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 97 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Downing St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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