Campbell County property record for 840 Sandstone Rdg, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,972 sqft · built 2007 |
| Lot Size | 0.36 acres (15,725 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $550,000 (Sep 2023) |
| Tax Bill | $6,666 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Nov 2022 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-37-265.00 |
| Primary APN | 999-99-37-265.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Stories | 2 Stories |
| Building Area | 3,972 sqft Living Area |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,725 sqft (0.36 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999937265.00 |
|---|---|
| Street Address | 840 SANDSTONE RDG |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-7119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRANITE SPRING SUB SEC 10 LOT 214 .361 ACRE |
| Legal Subdivision | GRANITE SPRING SUBD |
| Legal Phase | 10 |
| Legal Lot Number | 214 361 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 53301 |
840 Sandstone Rdg is owned and occupied by an individual who bought it in September 2023.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 840 SANDSTONE RDG, COLD SPRING, KY 41076-7119 |
| 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 |
|---|---|
| Sep 14, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Nov 4, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage LIBERTY FCU |
| Dec 3, 2019 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Nov 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GENERAL ELECTRIC CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 14, 2023 · Amount on Record |
| Deed Sale | Sep 14, 2023 · Amount on Record |
| Prior Sale | Jun 22, 2007 · Amount on Record |
| Deed Document Number | 5192930 |
| Deed Book / Page | D854 / 601 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Sep 14, 2023 |
| Property Address | 840 SANDSTONE RDG, COLD SPRING, KY 41076-7119 |
| Document Number | 0005192930 |
| Book / Page | D854 / 601 |
| Map Reference | CAB E SL 421A&421B |
| Instrument Date | Sep 11, 2023 |
| Instrument | 5192930 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2023 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6 E RIDGE PL, NEWPORT, KY 41071-2632 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 840 SANDSTONE RDG, COLD SPRING, KY 41076-7119 |
| Document Number | 0005192933 |
|---|---|
| Date | Sep 14, 2023 |
| Instrument | 5192933 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 840 SANDSTONE RDG, COLD SPRING, KY 41076-7119 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2022 |
| Title Company | NETCO |
| Name | Verified Name |
|---|
| Document Number | 0005161633 |
|---|---|
| Date | Nov 4, 2022 |
| Book Page | M2363/517 |
| Instrument | 5161633 |
| Name | LIBERTY FCU |
|---|---|
| Type | Credit Union |
| Address | EVANSVILLE, IN 47715 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 15, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 840 SANDSTONE RDG, COLD SPRING, KY 41076-7119 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 0005101593 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | M2201/622 |
| Instrument | 5101593 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 20, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 840 SANDSTONE RDG, COLD SPRING, KY 41076-7119 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI |
| Name | Verified Name |
|---|
| Document Number | 0005143758 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | M2317/203 |
| Instrument | 5143758 |
| Name | GENERAL ELECTRIC CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45241 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Dec 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 4% |
| Index | 1-Year CMT |
| Max Rate | 7.5% |
The 2025 property tax bill for 840 Sandstone Rdg was $6,666.
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 | $6,666.00 | $550,000 Land $75,000 Building $475,000 | $550,000 Land $75,000 Building $475,000 |
| 2023 | $5,149.00 (+21.15%) | $429,100 (+26.21%) Land $75,000 Building $354,100 | $429,100 (+26.21%) Land $75,000 Building $354,100 |
| 2022 | $4,250.00 | $340,000 Land $48,000 Building $292,000 | $340,000 Land $48,000 Building $292,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 840 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 840 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 170 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 | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures