511 Pooles Creek Rd, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 511 Pooles Creek Rd, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,625 sqft · built 1981
Lot Size	4.32 acres (188,397 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,378 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Mar 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-18-200.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-18-200.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,625 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Combination
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	188,397 sqft (4.32 acres)
Terrain	Steep
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	511 POOLES CREEK RD
City	COLD SPRING
State	KY
Zip	41076-8639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONT 4.325 ACRES
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	2
Census Block	2009
Census Tract	53301

Owner

Source: Campbell County records, as of March 9, 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	511 POOLES CREEK RD, NEWPORT, KY 41076-8639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 3, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC
Aug 14, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC
Aug 12, 2019	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 27, 2012
Transfer Doc	0001900066
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	511 POOLES CREEK RD, COLD SPRING, KY 41076-8639
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 POOLES CREEK RD, COLD SPRING, KY 41076-8639

Mortgage

Document Number	0005163032
Date	Dec 12, 2022
Book Page	M2366/495
Instrument	5163032

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	511 POOLES CREEK RD, COLD SPRING, KY 41076-8639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005053106
Date	Mar 3, 2017
Book Page	M2102/001
Instrument	5053106

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	GEORGETOWN, KY 40324

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Feb 10, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	511 POOLES CREEK RD, COLD SPRING, KY 41076-8639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005061284
Date	Aug 14, 2017
Book Page	M2119/217
Instrument	5061284

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	GEORGETOWN, KY 40324

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 3, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	511 POOLES CREEK RD, COLD SPRING, KY 41076-8639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005095632
Date	Aug 12, 2019
Book Page	M2188/208
Instrument	5095632

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	NEWPORT, KY 41076

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jul 20, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Campbell County assessment roll, as of March 9, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,378.00 (+0.98%)	$196,250 (-) Land $90,000 Building $106,250	$196,250 (-) Land $90,000 Building $106,250
2023	$2,355.00 (-4%)	$196,250 (-) Land $90,000 Building $106,250	$196,250 (-) Land $90,000 Building $106,250
2022	$2,453.00	$196,250 Land $40,000 Building $156,250	$196,250 Land $40,000 Building $156,250

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	May 2020 · river or lake flooding

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.

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 58 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
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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