Campbell County property record for 806 W Low Gap Rd, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.35 acres (58,806 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Oct 2020) |
| Tax Bill | $7,817 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-18-168.01 |
| Primary APN | 999-99-18-168.01 |
|---|
| Lot Area | 58,806 sqft (1.35 acres) |
|---|---|
| Terrain | Combination |
| Old Parcel Number | 9999918168.01 |
|---|---|
| Street Address | 806 W LOW GAP RD |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-2304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LARRY DUNHAM LAND DIV 1.35 ACRES LOT 1,2,3,4,5 5.96 ACRES |
| Legal Subdivision | DUNHAM |
| Legal Lot Number | 1-5 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4032 |
| Census Tract | 53100 |
806 W Low Gap Rd is owned and occupied by two individuals who bought it in October 2020.
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 | 806 W LOW GAP RD, COLD SPRING, KY 41076-2304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 26, 2023 | Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK INC |
| Jun 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HERITAGE SOUTHEAST BANK |
| Oct 19, 2020 | Warranty Deed, Transfer SPRINGDALE TITLE LLC |
| Oct 19, 2020 | Quit Claim Deed, Transfer SPRINGDALE TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2020 · Amount on File |
| Deed Sale | Oct 9, 2020 · Amount on File |
| Prior Sale | Jun 15, 2005 · Amount on File |
| Deed Document Number | 0000342616 |
| Deed Book / Page | 0274 / 383 |
| Prior Transfer Date | Sep 9, 2011 |
| Prior Transfer Doc | 09 09 11 019 00115 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 806 LOW GAP RD W, ALEXANDRIA, KY 41001-2207 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 806 W LOW GAP RD, COLD SPRING, KY 41076-2304 |
| Document Number | 0005184496 |
|---|---|
| Date | Jul 26, 2023 |
| Book Page | M1105/855 |
| Instrument | 5184496 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | BURLINGTON, KY 41005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Aug 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year T-Bill |
| Max Rate | 12.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 806 LOW GAP RD W, ALEXANDRIA, KY 41001-2207 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2023 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 110 SUMMIT DR, CRESTVIEW HILLS, KY 41017-2222 |
| Document Number | 0005135006 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | M1049/884 |
| Instrument | 5135006 |
| Name | HERITAGE SOUTHEAST BANK |
|---|---|
| Type | Bank |
| Address | BURLINGTON, KY 41005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jun 25, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Oct 19, 2020 |
| Property Address | 806 LOW GAP RD W, ALEXANDRIA, KY 41001-2207 |
| Document Number | 0005119227 |
| Book / Page | 000342 / 000616 |
| Instrument Date | Oct 9, 2020 |
| Instrument | 5119227 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2020 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $110.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 110 SUMMIT DR CRESTVIEW HILLS KY 410172222, CRESTVIEW HILLS, KY 41017-2222 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Oct 19, 2020 |
| Property Address | 806 LOW GAP RD W, ALEXANDRIA, KY 41001-2207 |
| Document Number | 0005119226 |
| Book / Page | 000342 / 000610 |
| Instrument Date | Oct 9, 2020 |
| Instrument | 5119226 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2020 |
| Title Company | SPRINGDALE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1032 PROSPECT ST COVINGTON KY 410113273, COVINGTON, KY 41011-3273 |
The 2025 property tax bill for 806 W Low Gap Rd was $7,817.
Source: Campbell County assessment roll, as of April 1, 2025
| 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 | $7,817.00 | $645,000 Land $110,000 Building $535,000 | $645,000 Land $110,000 Building $535,000 |
| 2023 | $7,740.00 | $645,000 Land $110,000 Building $535,000 | $645,000 Land $110,000 Building $535,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 806 W Low Gap Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 24, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 806 W Low Gap Rd 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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Starlink Satellite | 280 / 30 |
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