654 Silver Ledge Dr, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 654 Silver Ledge Dr, Cold Spring, KY 41076 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Year Built	Built 2006
Square Footage	2,226 sqft Living Area
Lot Size	6,534 sqft (0.15 acres)
Garage	Attached
Occupancy	Owner Occupied
Last Sale	$465,000 (2023)
Tax Bill	$5,040.00 (2025)

Owner

Source: Campbell County records · APN 999-99-17-559.87

Assessment roll updated March 9, 2026 · Last verified April 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 File
Mailing Address	654 SILVER LEDGE DR, NEWPORT, KY 41076-7114
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 30, 2023	Warranty Deed, Transfer NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI
Aug 23, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Prior Sale	Aug 23, 2018 · Amount on Record
Deed Doc Number	20235200936
Deed Book / Page	855 / 857
Prior Transfer Date	Mar 08, 2013
Prior Transfer Doc	0001900092
Record Refreshed	Jun 08, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	654 SILVER LEDGE DR, COLD SPRING, KY 41076-7114
Transaction Type	Mortgage
Record Updated	Jan 06, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 SILVER LEDGE DR, NEWPORT, KY 41076-7114

Mortgage

Document Number	0006011560
Date	Dec 17, 2025
Book Page	M2478/333
Instrument	6011560

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Oct 30, 2023
Property Address	654 SILVER LEDGE DR, COLD SPRING, KY 41076-7114
Document Number	0005200936
Book / Page	D855 / 857
Map Reference	CAB E SL 383B&384A
Instrument Date	Oct 26, 2023
Instrument	5200936
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Tax	$465.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5061 MYERDALE DR, BLUE ASH, OH 45242-5733

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 SILVER LEDGE DR, COLD SPRING, KY 41076-7114

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Aug 23, 2018
Property Address	654 SILVER LEDGE DR, COLD SPRING, KY 41076-7114
Document Number	0005079729
Book / Page	D797 / 096
Map Reference	CAB E SL 383B&384A
Instrument Date	Aug 16, 2018
Instrument	5079729
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	654 SILVER LEDGE DR, 654, COLD SPRING, KY 41076-7114

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333

Mortgage

Document Number	0005079730
Date	Aug 23, 2018
Instrument	5079730

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2033

Tax Assessment & Valuation

Source: Campbell County records · Assessment roll updated March 9, 2026 · Last verified April 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	$5,040.00 (+13.77%) Homeowner's exemption	$465,000 (+25.95%) Land $50,000 Building $415,000	$465,000 (+25.95%) Land $50,000 Building $415,000
2023	$4,430.00 (+16.21%)	$369,200 (+21.05%) Land $50,000 Building $319,200	$369,200 (+21.05%) Land $50,000 Building $319,200
2022	$3,812.00	$305,000 Land $45,000 Building $260,000	$305,000 Land $45,000 Building $260,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Campbell County (21037C), updated August 24, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`999-99-17-559.87`

Interior

Building Area	2,226 sqft Living Area
Stories	1 Stories

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Combination Exterior
Construction Type	Brick Construction
Roof Construction	Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached Garage

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Street Address	654 SILVER LEDGE DR
City	COLD SPRING
State	KY
Zip	41076-7114
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	GRANITE SPRING SUB SEC 7 LOT 135 0.1533
Legal Subdivision	GRANITE SPRING SUBD
Legal Phase	7
Legal Lot Number	135
Jurisdiction	CAMPBELL KY
Minor Civil Division	NEWPORT-FORT THOMAS
Census Blockgroup	2
Census Block	2009
Census Tract	53301

654 Silver Ledge Dr, Cold Spring (Newport), KY 41076 Property Records

Property Highlights

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Nearby Properties on Silver Ledge Dr

Nearby Streets

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