Campbell County property record for 72 Madonna Ln, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 3,441 sqft · built 1997 |
| Lot Size | 0.605 acres (26,389 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $16,000 (Apr 2023) |
| Tax Bill | $7,393 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Mar 2022 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-18-411.05 |
| Primary APN | 999-99-18-411.05 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,441 sqft Living Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 26,389 sqft (0.605 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 72 MADONNA LN |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-1855 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 127 SEC V MADONNA ESTATES |
| Legal Subdivision | MADONNA ESTATES |
| Legal Phase | V |
| Legal Lot Number | 127 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 52900 |
72 Madonna Ln is owned and occupied by two individuals who bought it in April 2023.
Source: Campbell County records, as of June 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 72 MADONNA LN, COLD SPRING, KY 41076-1855 |
| 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 |
|---|---|
| Jun 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage U S BANK N A |
| Mar 4, 2022 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| May 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Oct 17, 2017 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Oct 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Jul 20, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Jul 14, 2017 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2023 · Amount on File |
| Deed Sale | Apr 3, 2023 · Amount on File |
| Prior Sale | Jul 14, 2017 · Amount on File |
| Deed Document Number | 20235168841 |
| Deed Book / Page | 359 / 399 |
| Prior Transfer Date | Nov 14, 1995 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jun 2, 2026 |
| Property Address | 72 MADONNA LN, COLD SPRING, KY 41076-1855 |
| Document Number | 0006069596 |
| Book / Page | 1166 / 251 |
| Instrument Date | May 23, 2026 |
| Instrument | 20266069596 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 72 MADONNA LN, COLD SPRING, KY 41076-1855 |
| Document Number | 0006069596, |
|---|---|
| Date | Jun 2, 2026 |
| Book Page | 1166/251 |
| Instrument | 20266069596 |
| Name | U S BANK N A |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 72 MADONNA LN, COLD SPRING, KY 41076-1855 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2022 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 72 MADONNA LN, COLD SPRING, KY 41076-1855 |
| Document Number | 0005149539 |
|---|---|
| Date | Mar 4, 2022 |
| Book Page | M1074/220 |
| Instrument | 5149539 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jan 18, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 72 MADONNA LN, COLD SPRING, KY 41076-1855 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Title Company | SPRINGDALE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0005132871 |
|---|---|
| Date | May 26, 2021 |
| Book Page | M1046/301 |
| Instrument | 5132871 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 72 MADONNA LN, COLD SPRING, KY 41076-1855 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005064210 |
|---|---|
| Date | Oct 17, 2017 |
| Book Page | M945/603 |
| Instrument | 5064210 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 22, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 72 MADONNA LN, COLD SPRING, KY 41076-1855 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SPRINGDALE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0005099039 |
|---|---|
| Date | Oct 15, 2019 |
| Book Page | M987/409 |
| Instrument | 5099039 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 72 MADONNA LN, COLD SPRING, KY 41076-1855 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0005113457 |
|---|---|
| Date | Jul 20, 2020 |
| Book Page | M1010/102 |
| Instrument | 5113457 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 6, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jul 14, 2017 |
| Property Address | 72 MADONNA LN, COLD SPRING, KY 41076-1855 |
| Document Number | 0005059554 |
| Book / Page | D325 / 098 |
| Map Reference | PL 48-A |
| Instrument Date | Jun 30, 2017 |
| Instrument | 5059554 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $459.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 72 MADONNA LN, 72, COLD SPRING, KY 41076-1855 |
| Name | Verified Name |
|---|---|
| Address | 72 MADONNA LN, COLD SPRING, KY 41076-1855 |
| Document Number | 0005059555 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | M939/603 |
| Instrument | 5059555 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 72 Madonna Ln was $7,393.
Source: Campbell County assessment roll, as of March 9, 2026
| 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 | $7,393.00 | $610,000 Land $85,000 Building $525,000 | $610,000 Land $85,000 Building $525,000 |
| 2023 | $7,297.00 (+27.19%) | $608,100 (+32.48%) Land $85,000 Building $523,100 | $608,100 (+32.48%) Land $85,000 Building $523,100 |
| 2022 | $5,737.00 | $459,000 Land $35,000 Building $424,000 | $459,000 Land $35,000 Building $424,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 72 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 72 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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