Campbell County property record for 954 W Low Gap Rd, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,332 sqft · built 1880 |
| Lot Size | 2.07 acres (90,343 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $240,000 (Aug 2021) |
| Tax Bill | $3,427 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage May 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-20-597.00 |
| Primary APN | 999-99-20-597.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| Year Built | Built 1880 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 90,343 sqft (2.07 acres) |
| Terrain | Combination |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Old Parcel Number | 9999920597.00 |
|---|---|
| Street Address | 954 W LOW GAP RD |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-2306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW SURVEY-REMAINDER 2.074 AC |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4032 |
| Census Tract | 53100 |
Source: Campbell County records, as of March 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 954 W LOW GAP RD, COLD SPRING, KY 41076-2306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2021 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| May 30, 2017 | Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2021 · Amount on Record |
| Deed Sale | Aug 26, 2021 · Amount on Record |
| Deed Document Number | 5138923 |
| Deed Book / Page | D348 / 808 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Aug 26, 2021 |
| Property Address | 954 W LOW GAP RD, COLD SPRING, KY 41076-2306 |
| Document Number | 0005138923 |
| Book / Page | D348 / 808 |
| Map Reference | MB 168 PG 13 |
| Instrument Date | Jul 29, 2021 |
| Instrument | 5138923 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 246 TALLNER RD, 246, AUGUSTA, KY 41002-9374 |
| Name | Verified Name |
|---|---|
| Address | 954 W LOW GAP RD, COLD SPRING, KY 41076-2306 |
| Document Number | 0005138924 |
|---|---|
| Date | Aug 26, 2021 |
| Instrument | 5138924 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 954 W LOW GAP RD, COLD SPRING, KY 41076-2306 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005057285 |
|---|---|
| Date | May 30, 2017 |
| Book Page | M936/557 |
| Instrument | 5057285 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,427.00 (+18.99%) | $282,800 (+17.83%) Land $75,000 Building $207,800 | $282,800 (+17.83%) Land $75,000 Building $207,800 |
| 2023 | $2,880.00 (-4%) | $240,000 (-) Land $30,000 Building $210,000 | $240,000 (-) Land $30,000 Building $210,000 |
| 2022 | $3,000.00 | $240,000 Land $30,000 Building $210,000 | $240,000 Land $30,000 Building $210,000 |
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
| 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.
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 28 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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