956 W Low Gap Rd, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 956 W Low Gap Rd, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,233 sqft · built 1986
Lot Size	2.98 acres (129,896 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,605 (2025)
Deeds & Mortgages	Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-18-770.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-18-770.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,233 sqft Living Area

Exterior

Year Built	Built 1986
Exterior Material	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	129,896 sqft (2.98 acres)
Terrain	Combination

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	9999918770.00
Street Address	956 W LOW GAP RD
City	COLD SPRING
State	KY
Zip	41076-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.982 ACRES
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	4
Census Block	4032
Census Tract	53100

Owner

956 W Low Gap Rd is owned and occupied by two individuals who acquired it in July 1985.

Source: Campbell County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	956 W LOW GAP RD, COLD SPRING, KY 41076-2306
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 1985
Deed Sale	Jul 29, 1985
Deed Document Number	0000186530
Record Updated	Jun 8, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	956 W LOW GAP RD, COLD SPRING, KY 41076-2306
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005080022
Date	Aug 30, 2018
Book Page	M962/796
Instrument	5080022

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 956 W Low Gap Rd was $2,605.

Source: Campbell County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Unified School District	Campbell County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,605.00	$215,000 Land $50,000 Building $165,000	$215,000 Land $50,000 Building $165,000
2023	$1,839.00 (-4.02%)	$153,300 (-) Land $30,000 Building $123,300	$153,300 (-) Land $30,000 Building $123,300
2022	$1,916.00	$153,300 Land $30,000 Building $123,300	$153,300 Land $30,000 Building $123,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 956 W Low Gap Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 956 W Low Gap Rd 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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