Campbell County property record for 705 Spireridge Ct, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 2,690 sqft · built 2005 |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Mar 2025) |
| Tax Bill | $5,690 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage Dec 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-029.62 |
| Primary APN | 999-99-19-029.62 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,690 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999919029.62 |
|---|---|
| Street Address | 705 SPIRERIDGE CT |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-8717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 94 SEC 9 GLENRIDGE SUBD |
| Legal Subdivision | GLENRIDGE SUB |
| Legal Phase | 9 |
| Legal Lot Number | 94 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 53100 |
705 Spireridge Ct is owned and occupied by an individual who bought it in March 2025.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 705 SPIRERIDGE CT, COLD SPRING, KY 41076-8717 |
| 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 |
|---|---|
| Jan 17, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Dec 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Aug 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Jun 20, 2019 | Deed of Trust, Mortgage · Conventional with PMI HOMESERVICES LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 24, 2025 · Amount on File |
| Deed Sale | Mar 24, 2025 · Amount on File |
| Prior Sale | Jan 17, 2023 · Amount on File |
| Deed Document Number | 5395484 |
| Deed Book / Page | D371 / 436 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jan 17, 2023 |
| Property Address | 705 SPIRERIDGE CT, COLD SPRING, KY 41076-8717 |
| Document Number | 0005164208 |
| Book / Page | D358 / 235 |
| Map Reference | CAB E 292-B |
| Instrument Date | Jan 13, 2023 |
| Instrument | 5164208 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $469.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10864 GRISTSTONE CIR, INDEPENDENCE, KY 41051-7590 |
| Name | Verified Name |
|---|---|
| Address | 705 SPIRERIDGE CT, COLD SPRING, KY 41076-8717 |
| Document Number | 0005164209 |
|---|---|
| Date | Jan 17, 2023 |
| Instrument | 5164209 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 705 SPIRERIDGE CT, COLD SPRING, KY 41076-8717 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2022 |
| Title Company | AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|
| Document Number | 0005162763 |
|---|---|
| Date | Dec 5, 2022 |
| Book Page | M1094/110 |
| Instrument | 5162763 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.78% |
| Type Change Date | Dec 1, 2027 |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.87% |
| Index | 1-Year T-Bill |
| Max Rate | 11.8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 705 SPIRERIDGE CT, COLD SPRING, KY 41076-8717 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005138466 |
|---|---|
| Date | Aug 19, 2021 |
| Book Page | M1055/19 |
| Instrument | 5138466 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 705 SPIRERIDGE CT, COLD SPRING, KY 41076-8717 |
| Document Number | 0005093332 |
| Instrument Date | Jun 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 705 SPIRERIDGE CT COLD SPRING KY 410768717, COLD SPRING, KY 41076-8717 |
| Document Number | 0005093332 |
|---|---|
| Date | Jun 26, 2019 |
| Book Page | 000979/000336 |
| Instrument | 5093332 |
| Name | HOMESERVICES LNDG |
|---|---|
| Address | WEST DES MOINES, IA 50266 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2049 |
The 2025 property tax bill for 705 Spireridge Ct was $5,690.
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 | $5,690.00 | $469,500 Land $50,000 Building $419,500 | $469,500 Land $50,000 Building $419,500 |
| 2023 | $4,687.00 (+12.7%) | $390,600 (+17.37%) Land $50,000 Building $340,600 | $390,600 (+17.37%) Land $50,000 Building $340,600 |
| 2022 | $4,159.00 | $332,781 Land $31,500 Building $301,281 | $332,781 Land $31,500 Building $301,281 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 705 Spireridge Ct in Zone X, an area of minimal flood risk, though there have been 140 flood claims nearby since 1978.
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.
Wildfire risk around 705 Spireridge Ct 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 149 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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