Campbell County property record for 902 Monterey Ln, Cold Spring, KY 41076
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2 ba · 1,899 sqft · built 2001 |
| Owner | 2 Individual Names on Record |
| Last Sale | $205,000 (Jan 2022) |
| Tax Bill | $2,737 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-36-357.24 |
| Primary APN | 999-99-36-357.24 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,899 sqft Living Area |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 902 MONTEREY LN |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-8564 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | CHARDONNAY CONDOS LOT 6 BLDG 6 UNIT 6-301 HUNTINGTON UPPER LEVEL & GARAGE 6-G2 |
| Legal Subdivision | CHARDONNAY CONDOS |
| Legal Lot Number | 6 |
| Legal Unit | 6 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 53301 |
Source: Campbell County records, as of March 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 902 MONTEREY LN, COLD SPRING, KY 41076-8564 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 8, 2021 | Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Oct 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Jan 4, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 24, 2022 · Amount on Record |
| Deed Sale | Jan 24, 2022 · Amount on Record |
| Prior Sale | Nov 8, 2021 · Amount on Record |
| Deed Document Number | 20225147427 |
| Deed Book / Page | 834 / 348 |
| Prior Transfer Date | May 1, 2013 |
| Prior Transfer Doc | 0001900014 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Nov 8, 2021 |
| Property Address | 902 MONTEREY LN, COLD SPRING, KY 41076-8564 |
| Document Number | 0005143329 |
| Book / Page | D831 / 540 |
| Map Reference | MB 331 PG 54 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 5143329 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Title Company | NORWEST TITLE, NORTHWEST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1624 ASHLEY CT APT 203, 1624, FLORENCE, KY 41042-8877 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 902 MONTEREY LN, COLD SPRING, KY 41076-8564 |
| Document Number | 0005143330 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 5143330 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 902 MONTEREY LN, COLD SPRING, KY 41076-8564 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0005118400 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | M2246/271 |
| Instrument | 5118400 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 902 MONTEREY LN, COLD SPRING, KY 41076-8564 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 902 MONTERRY LN CONDO #6-301 6-301, 6-301, COLD SPRING, KY 41076-8564 |
| Document Number | 0005123628 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | M2261/33 |
| Instrument | 5123628 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Nov 27, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Campbell County assessment roll, as of March 9, 2026
| 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 | $2,737.00 (-0.22%) Homeowner's exemption | $275,000 (-) Building $275,000 | $275,000 (-) Building $275,000 |
| 2023 | $2,743.00 (-20.19%) Homeowner's exemption | $275,000 (-) Building $275,000 | $275,000 (-) Building $275,000 |
| 2022 | $3,437.00 Homeowner's exemption | $275,000 Building $275,000 | $275,000 Building $275,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
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.
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 | None beyond ember reach |
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 80 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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