Campbell County property record for 781 Sandstone Rdg, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,138 sqft · built 2009 |
| Lot Size | 0.366 acres (15,943 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $318,000 (Jul 2018) |
| Tax Bill | $5,657 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-37-818.00 |
| Primary APN | 999-99-37-818.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,138 sqft Living Area |
| Year Built | Built 2009 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,943 sqft (0.366 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 9999937818.00 |
|---|---|
| Street Address | 781 SANDSTONE RDG |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-7156 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRANITE SPRING SUB SEC 15 LOT 180 .366 AC |
| Legal Subdivision | GRANITE SPRING SUBD |
| Legal Phase | 15 |
| Legal Lot Number | 180 366 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 53301 |
781 Sandstone Rdg is owned and occupied by two individuals who bought it in July 2018.
Source: Campbell County records, as of March 6, 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 File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 781 SANDSTONE RDG, COLD SPRING, KY 41076-7156 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Jul 11, 2018 | Warranty Deed, Transfer · Conventional Mortgage M & T BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2018 · Amount on File |
| Deed Sale | Jul 29, 2018 · Amount on File |
| Prior Sale | Aug 4, 2015 · Amount on File |
| Deed Document Number | 0000795830 |
| Deed Book / Page | D795 / 830 |
| Prior Transfer Date | Jul 11, 2018 |
| Prior Transfer Doc | 5076646 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 781 SANDSTONE RDG, COLD SPRING, KY 41076-7156 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 781 SANDSTONE RDG, COLD SPRING, KY 41076-7156 |
| Document Number | 0005156274 |
|---|---|
| Date | Jul 13, 2022 |
| Book Page | M2351/368 |
| Instrument | 5156274 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Jun 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 781 SANDSTONE RDG, COLD SPRING, KY 41076-7156 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0005141889 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | M2311/744 |
| Instrument | 5141889 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jul 11, 2018 |
| Property Address | 781 SANDSTONE RDG, COLD SPRING, KY 41076-7156 |
| Document Number | 0005076646 |
| Book / Page | D795 / 830 |
| Map Reference | CAB E SL 500B,501A |
| Instrument | 5076646 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | LAWYERS TITLE OF CINCINNATI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $318.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1191 FAIDNS RUN RD, 1191, NEW RICHMOND, OH 45157 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 781 SANDSTONE RDG, NEWPORT, KY 41076-7156 |
| Document Number | 0005076647 |
|---|---|
| Date | Jul 11, 2018 |
| Instrument | 5076647 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 781 Sandstone Rdg was $5,657.
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 | $5,657.00 | $466,800 Land $75,000 Building $391,800 | $466,800 Land $75,000 Building $391,800 |
| 2023 | $4,780.00 (+20.25%) | $398,400 (+25.28%) Land $75,000 Building $323,400 | $398,400 (+25.28%) Land $75,000 Building $323,400 |
| 2022 | $3,975.00 | $318,000 Land $44,100 Building $273,900 | $318,000 Land $44,100 Building $273,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 781 Sandstone Rdg in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 | 1 (2020) |
| Most Recent Claim | May 2020 · river or lake flooding |
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 781 Sandstone Rdg 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 108 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 |
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