Campbell County property record for 65 Madonna Ln, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,871 sqft · built 1988 |
| Owner | Individual Name on File |
| Last Sale | $283,000 (Nov 2018) |
| Tax Bill | $3,975 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Dec 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-18-783.00 |
| Primary APN | 999-99-18-783.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,871 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Combination |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Dimensions | 122 ft deep x 100 ft wide |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999918783.00 |
|---|---|
| Street Address | 65 MADONNA LN |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-1856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 116 SEC S MADONNA EST |
| Legal Subdivision | MADONNA ESTATES |
| Legal Phase | S |
| Legal Lot Number | 116 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 52900 |
65 Madonna Ln is owned and occupied by an individual who bought it in November 2018.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 65 MADONNA LN, COLD SPRING, KY 41076-1856 |
| 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 |
|---|---|
| Apr 24, 2023 | Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK |
| Dec 2, 2021 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK |
| Feb 4, 2020 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK FSB |
| Nov 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Jan 29, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Jan 29, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2018 · Amount on File |
| Deed Sale | Nov 21, 2018 · Amount on File |
| Prior Sale | Jan 29, 2018 · Amount on File |
| Deed Document Number | 5083812 |
| Deed Book / Page | D331 / 884 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 65 MADONNA LN, COLD SPRING, KY 41076-1856 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 65 MADONNA LN, COLD SPRING, KY 41076-1856 |
| Document Number | 0005171277 |
|---|---|
| Date | Apr 24, 2023 |
| Book Page | M1101/1 |
| Instrument | 5171277 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 5, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 65 MADONNA LN, COLD SPRING, KY 41076-1856 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005144573 |
|---|---|
| Date | Dec 2, 2021 |
| Book Page | M1065/562 |
| Instrument | 5144573 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 65 MADONNA LN, COLD SPRING, KY 41076-1856 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005104655 |
|---|---|
| Date | Feb 4, 2020 |
| Book Page | M995/627 |
| Instrument | 5104655 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Nov 21, 2018 |
| Property Address | 65 MADONNA LN, COLD SPRING, KY 41076-1856 |
| Document Number | 0005083812 |
| Book / Page | D331 / 884 |
| Map Reference | MB 5 P G32-A-17 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 5083812 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $283.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 65 MADONNA LN, 65, COLD SPRING, KY 41076-1856 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333 |
| Document Number | 0005083813 |
|---|---|
| Date | Nov 21, 2018 |
| Instrument | 5083813 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jan 29, 2018 |
| Property Address | 65 MADONNA LN, COLD SPRING, KY 41076-1856 |
| Document Number | 0005068758 |
| Book / Page | 000327 / 000788 |
| Instrument Date | Jan 24, 2018 |
| Instrument | 5068758 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $250.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 65 MADONNA LN COLD SPRING KY 410761856, COLD SPRING, KY 41076-1856 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jan 29, 2018 |
| Property Address | 65 MADONNA LN, COLD SPRING, KY 41076-1856 |
| Document Number | 0005068759 |
| Book / Page | 000327 / 000791 |
| Instrument Date | Jan 24, 2018 |
| Instrument | 5068759 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $250.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 65 MADONNA LN COLD SPRING KY 410761856, COLD SPRING, KY 41076-1856 |
The 2025 property tax bill for 65 Madonna Ln was $3,975.
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 | $3,975.00 | $328,000 Land $75,000 Building $253,000 | $328,000 Land $75,000 Building $253,000 |
| 2023 | $3,936.00 (+11.28%) | $328,000 (+15.9%) Land $75,000 Building $253,000 | $328,000 (+15.9%) Land $75,000 Building $253,000 |
| 2022 | $3,537.00 | $283,000 Land $30,000 Building $253,000 | $283,000 Land $30,000 Building $253,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 65 Madonna Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.
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.
Wildfire risk around 65 Madonna Ln 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 | Direct burnable vegetation |
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 142 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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