Campbell County property record for 860 Sandstone Rdg, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 2,921 sqft · built 2006 |
| Lot Size | 0.294 acres (12,850 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,729 (Nov 2006) |
| Tax Bill | $4,559 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-37-270.00 |
| Primary APN | 999-99-37-270.00 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,921 sqft Living Area |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,850 sqft (0.294 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | 9999937270.00 |
|---|---|
| Street Address | 860 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 219 .2949 ACRE |
| Legal Subdivision | GRANITE SPRING SUBD |
| Legal Phase | 10 |
| Legal Lot Number | 219 2949 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 53301 |
860 Sandstone Rdg is owned and occupied by an individual who bought it in November 2006.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 860 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 |
|---|---|
| Nov 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VICTORY MORTGAGE LLC |
| Nov 15, 2019 | Deed of Trust, Mortgage FIFTH THIRD BANK |
| Oct 1, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/NTHRN KY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2006 · Amount on File |
| Deed Sale | Nov 14, 2006 · Amount on File |
| Prior Sale | Jul 7, 2006 · Amount on File |
| Deed Document Number | 06 11 14 019 00131 |
| Deed Book / Page | 0702 / 048 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 860 SANDSTONE RDG, COLD SPRING, KY 41076-7119 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LP |
| Name | Verified Name |
|---|
| Document Number | 0005143135 |
|---|---|
| Date | Nov 4, 2021 |
| Book Page | M2315/530 |
| Instrument | 5143135 |
| Name | VICTORY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ERLANGER, KY 41018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 860 SANDSTONE RDG, COLD SPRING, KY 41076-7119 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|
| Document Number | 0005100614 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | M2199/495 |
| Instrument | 5100614 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Nov 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 860 SANDSTONE RDG, COLD SPRING, KY 41076-7119 |
| Document Number | 0005100617 |
| Instrument Date | Oct 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 860 SANDSTONE RDG NEWPORT KY 410767119, NEWPORT, KY 41076-7119 |
| Document Number | 0005100617 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | 002199/000514 |
| Instrument | 5100617 |
| Name | FIFTH THIRD BK/NTHRN KY |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 14, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 860 Sandstone Rdg was $4,559 with exemptions applied.
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 | $4,559.00 Homeowner's exemption Disabled Person's exemption | $425,300 Land $75,000 Building $350,300 | $425,300 Land $75,000 Building $350,300 |
| 2023 | $4,547.00 (+23.59%) Homeowner's exemption Disabled Person's exemption | $425,300 (+26.99%) Land $75,000 Building $350,300 | $425,300 (+26.99%) Land $75,000 Building $350,300 |
| 2022 | $3,679.00 Homeowner's exemption Disabled Person's exemption | $334,900 Land $44,000 Building $290,900 | $334,900 Land $44,000 Building $290,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 860 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 860 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 |
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