Campbell County property record for 861 Sandstone Rdg, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,884 sqft · built 2011 |
| Lot Size | 0.228 acres (9,932 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,500 (Aug 2017) |
| Tax Bill | $4,719 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-37-251.00 |
| Primary APN | 999-99-37-251.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,884 sqft Living Area |
| Year Built | Built 2011 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,932 sqft (0.228 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 9999937251.00 |
|---|---|
| Street Address | 861 SANDSTONE RDG |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-7120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRANITE SPRING SUB SEC 10 LOT 150 .2283 ACRE |
| Legal Subdivision | GRANITE SPRING SUBD |
| Legal Phase | 10 |
| Legal Lot Number | 150 2283 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 53301 |
861 Sandstone Rdg is owned and occupied by an individual who bought it in August 2017.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 861 SANDSTONE RDG, COLD SPRING, KY 41076-7120 |
| 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 |
|---|---|
| Jul 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Aug 16, 2017 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2017 · Amount on File |
| Deed Sale | Aug 16, 2017 · Amount on File |
| Prior Sale | Aug 22, 2011 · Amount on File |
| Deed Document Number | 5061388 |
| Deed Book / Page | D787 / 741 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 861 SANDSTONE RDG, COLD SPRING, KY 41076-7120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | HIGH STREET TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0005112920 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | M2231/50 |
| Instrument | 5112920 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 1, 2045 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Aug 16, 2017 |
| Property Address | 861 SANDSTONE RDG, COLD SPRING, KY 41076-7120 |
| Document Number | 0005061388 |
| Book / Page | D787 / 741 |
| Map Reference | CAB E SL 421A&21B |
| Instrument Date | Aug 11, 2017 |
| Instrument | 5061388 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 63 MADONNA LN, 63, COLD SPRING, KY 41076-1856 |
| Name | Verified Name |
|---|---|
| Address | 861 SAN 9NE RIDGE, NEWPORT, KY 41071-2632 |
| Document Number | 0005061390 |
|---|---|
| Date | Aug 16, 2017 |
| Instrument | 5061390 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
The 2025 property tax bill for 861 Sandstone Rdg was $4,719.
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 | $4,719.00 | $389,400 Land $50,000 Building $339,400 | $389,400 Land $50,000 Building $339,400 |
| 2023 | $4,672.00 (+20.38%) | $389,400 (+25.41%) Land $50,000 Building $339,400 | $389,400 (+25.41%) Land $50,000 Building $339,400 |
| 2022 | $3,881.00 | $310,500 Land $56,084 Building $254,416 | $310,500 Land $56,084 Building $254,416 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 861 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 861 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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