Campbell County property record for 6188 Murnan Rd, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2.26 acres (98,751 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,950 (Apr 2019) |
| Tax Bill | $11,640 (2025) |
| Deeds & Mortgages | Aug 2019 Construction Loan Aug 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-285.01 |
| Primary APN | 999-99-19-285.01 |
|---|
| Lot Area | 98,751 sqft (2.26 acres) |
|---|
| Street Address | 6188 MURNAN RD |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-9237 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PAREL B 2.2666AC REMAINDER ADJ WM KENNEWEG |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 53301 |
6188 Murnan Rd is owned and occupied by two individuals who bought it in April 2019.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 6188 MURNAN RD, COLD SPRING, KY 41076-9237 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 12, 2019 | Deed of Trust, Mortgage · Construction Mortgage CIVISTA BANK |
| Aug 26, 2020 | Deed of Trust, Mortgage · Line of Credit CIVISTA BANK |
| Aug 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CIVISTA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2019 · Amount on File |
| Deed Sale | Apr 8, 2019 · Amount on File |
| Deed Document Number | 5089595 |
| Deed Book / Page | D333 / 727 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 6188 MURNAN RD, COLD SPRING, KY 41076-9237 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005095701 |
|---|---|
| Date | Aug 12, 2019 |
| Book Page | M982/420 |
| Instrument | 5095701 |
| Name | CIVISTA BANK |
|---|---|
| Type | Bank |
| Address | SANDUSKY, OH 44870 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Sep 1, 2035 |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year LIBOR |
| Max Rate | 9.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 6188 MURNAN RD, COLD SPRING, KY 41076-9237 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2021 |
| Title Company | LAND TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0005115863 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | M1014/370 |
| Instrument | 5115863 |
| Name | CIVISTA BANK |
|---|---|
| Type | Bank |
| Address | SANDUSKY, OH 44870 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jul 21, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 6188 MURNAN RD, COLD SPRING, KY 41076-9237 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2021 |
| Title Company | EWBANK LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0005115862 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | M1014/354 |
| Instrument | 5115862 |
| Name | CIVISTA BANK |
|---|---|
| Type | Bank |
| Address | SANDUSKY, OH 44870 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 6188 Murnan Rd was $11,640.
Source: Campbell County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Unified School District | Campbell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,640.00 | $960,400 Land $100,000 Building $860,400 | $960,400 Land $100,000 Building $860,400 |
| 2023 | $8,700.00 (-3.99%) | $725,000 (-) Land $100,000 Building $625,000 | $725,000 (-) Land $100,000 Building $625,000 |
| 2022 | $9,062.00 | $725,000 Land $100,000 Building $625,000 | $725,000 Land $100,000 Building $625,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6188 Murnan Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 |
| 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 risk around 6188 Murnan Rd is low, with a 0.01% annual chance of 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 | None beyond ember reach |
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 116 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 |
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