Campbell County property record for 6560 Murnan Rd, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1986 |
| Lot Size | 2.29 acres (100,014 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $176,500 (Jul 2021) |
| Tax Bill | $3,260 (2025) |
| Deeds & Mortgages | Feb 2026 Second Mortgage Jan 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-20-587.00 |
| Primary APN | 999-99-20-587.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 100,014 sqft (2.29 acres) |
| Terrain | Rolling |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Water Source | Commercial |
| Street Address | 6560 MURNAN RD |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-9245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.2962 ACRES |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 53100 |
Source: Campbell County records, as of March 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6560 MURNAN RD, COLD SPRING, KY 41076-9245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUARDIAN SAVINGS BANK |
| Jan 12, 2024 | Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK |
| Jul 28, 2021 | Intrafamily Transfer, Transfer · Stand-Alone Refinance GUARDIAN SAVINGS BANK |
| Jul 28, 2021 | Quit Claim Deed, Transfer PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2021 · Amount on Record |
| Deed Sale | Jul 28, 2021 · Amount on Record |
| Prior Sale | Jun 28, 2013 · Amount on Record |
| Deed Document Number | 20215136750 |
| Deed Book / Page | 348 / 153 |
| Prior Transfer Date | Jun 25, 2021 |
| Prior Transfer Doc | 0005136750 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 6560 MURNAN RD, COLD SPRING, KY 41076-9245 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6560 MURNAN RD, COLD SPRING, KY 41076-9245 |
| Document Number | 0006021851 |
|---|---|
| Date | Feb 10, 2026 |
| Book Page | M1158/804 |
| Instrument | 6021851 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jan 29, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 6560 MURNAN RD, COLD SPRING, KY 41076-9245 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 6560 MURNAN RD, COLD SPRING, KY 41076-9245 |
| Document Number | 0005318838 |
|---|---|
| Date | Jan 12, 2024 |
| Book Page | M1114/124 |
| Instrument | 5318838 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Dec 11, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jul 28, 2021 |
| Property Address | 6560 MURNAN RD, COLD SPRING, KY 41076-9245 |
| Document Number | 0005136750 |
| Book / Page | D348 / 153 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 5136750 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 6560 MURNAN RD, COLD SPRING, KY 41076-9245 |
| Document Number | 0005136751 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 5136751 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jul 28, 2021 |
| Property Address | 6560 MURNAN RD, COLD SPRING, KY 41076-9245 |
| Document Number | 0005136749 |
| Book / Page | D348 / 149 |
| Map Reference | MB 93 PG 296 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 5136749 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6560 MUMAN ROAD, 6560, COLD SPRGS HI, KY 41076 |
| Name | Verified Name |
|---|---|
| Address | 6560 MURNAN RD, COLD SPRING, KY 41076-9245 |
Source: Campbell County assessment roll, as of March 9, 2026
| 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 | $3,260.00 (+33.66%) | $269,000 (+32.32%) Land $50,000 Building $219,000 | $269,000 (+32.32%) Land $50,000 Building $219,000 |
| 2023 | $2,439.00 (-4.01%) | $203,300 (-) Land $50,000 Building $153,300 | $203,300 (-) Land $50,000 Building $153,300 |
| 2022 | $2,541.00 | $203,300 Land $50,000 Building $153,300 | $203,300 Land $50,000 Building $153,300 |
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 140 (1978–2018) |
| Most Recent Claim | Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 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 93 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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