Campbell County property record for 505 Downing St, Cold Spring, KY 41076
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 953 sqft · built 1984 |
| Owner | Individual Name on Record |
| Last Sale | $137,000 (Jan 2025) |
| Tax Bill | $1,151 (2025) |
| Deeds & Mortgages | Jan 2025 Sale & Mortgage Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-804.00 |
| Primary APN | 999-99-19-804.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 953 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 | 9999919804.00 |
|---|---|
| Street Address | 505 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 505 UPPER LEVEL |
| Legal Subdivision | LONDON ACRES SOUTH |
| Legal Lot Number | LA |
| Legal Unit | 505 |
| 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 505 DOWNING ST, COLD SPRING, KY 41076-3504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 27, 2025 | Warranty Deed, Transfer · Conventional Mortgage 1ST NATIONAL BANK |
| Oct 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| May 12, 2021 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 27, 2025 · Amount on Record |
| Deed Sale | Jan 27, 2025 · Amount on Record |
| Prior Sale | Oct 12, 2021 · Amount on Record |
| Deed Document Number | 5385931 |
| Deed Book / Page | D869 / 143 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jan 27, 2025 |
| Property Address | 505 DOWNING ST, COLD SPRING, KY 41076-3504 |
| Document Number | 0005385931 |
| Book / Page | D869 / 143 |
| Map Reference | MB 115 PG 1 |
| Instrument Date | Jan 13, 2025 |
| Instrument | 5385931 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $137.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3484 RIDGEWOOD DR, ERLANGER, KY 41018-2887 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 505 DOWNING ST, COLD SPRING, KY 41076-3504 |
| Investor | Possibly a Property Investor |
| Document Number | 0005385936 |
|---|---|
| Date | Jan 27, 2025 |
| Instrument | 5385936 |
| Name | 1ST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Oct 12, 2021 |
| Property Address | 505 DOWNING ST, COLD SPRING, KY 41076-3504 |
| Document Number | 0005141805 |
| Book / Page | D830 / 515 |
| Map Reference | MB 115 PG 1 |
| Instrument Date | Oct 7, 2021 |
| Instrument | 5141805 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $95.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 546 HALLAM AVE, ERLANGER, KY 41018-2279 |
| Name | Verified Name |
|---|---|
| Address | 505 DOWNING ST, COLD SPRING, KY 41076-3504 |
| Document Number | 0005141806 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 5141806 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | May 12, 2021 |
| Property Address | 505 DOWNING ST, COLD SPRING, KY 41076-3504 |
| Document Number | 0005131920 |
| Book / Page | D824 / 745 |
| Map Reference | MB 115 PG 1 |
| Instrument Date | May 3, 2021 |
| Instrument | 5131920 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $90.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 419 IVY RIDGE DR, COLD SPRING, KY 41076-8843 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 505 DOWNING ST, COLD SPRING, KY 41076-3504 |
| Investor | Possibly a Property Investor |
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 | $1,151.00 (+0.96%) | $95,000 (-) Building $95,000 | $95,000 (-) Building $95,000 |
| 2023 | $1,140.00 (-3.96%) | $95,000 (-) Building $95,000 | $95,000 (-) Building $95,000 |
| 2022 | $1,187.00 | $95,000 Building $95,000 | $95,000 Building $95,000 |
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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