4257 Winters Ln, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 4257 Winters Ln, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	944 sqft · built 1931
Lot Size	1.24 acres (54,285 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Mar 2024)
Tax Bill	$2,969 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`999-99-19-118.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-19-118.00`

Interior

Stories	1 Story
Building Area	944 sqft Living Area

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	54,285 sqft (1.24 acres)
Lot Width	200 ft Width
Terrain	Combination
View / Lot	Flood Plain/Flood Zone

Location & Zoning

Street Address	4257 WINTERS LN
City	COLD SPRING
State	KY
Zip	41076-8665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 6 TAYLOR PAT PARCEL 1 200 X IRREG
Legal Subdivision	EDMOND TAYLOR PATENT
Legal Lot Number	6
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	4
Census Block	4009
Census Tract	52900

Owner

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	4257 WINTERS LN, COLD SPRING, KY 41076-8665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 10, 2022	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
May 17, 2021	Warranty Deed, Transfer
May 17, 2021	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2024 · Amount on Record
Deed Sale	Mar 20, 2024 · Amount on Record
Prior Sale	May 10, 2022 · Amount on Record
Deed Document Number	20245328986
Deed Book / Page	859 / 656
Prior Transfer Date	Jun 3, 2013
Prior Transfer Doc	0001900350
Record Updated	Jun 8, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Mar 20, 2024
Property Address	4257 WINTERS LN, COLD SPRING, KY 41076-8665
Document Number	0005328986
Book / Page	D859 / 656
Map Reference	MB 10 PG 34
Instrument Date	Mar 18, 2024
Instrument	5328986
Transaction Type	Transfer
Record Updated	Apr 5, 2024
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9985 DECONSEY PIKE, RYLAND HEIGHTS, KY 41015

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4257 WINTERS LN, COLD SPRING, KY 41076-8665

Mortgage

Document Number	0005328990
Date	Mar 20, 2024
Instrument	5328990

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	May 10, 2022
Property Address	4257 WINTERS LN, COLD SPRING, KY 41076-8665
Document Number	0005153192
Book / Page	D838 / 124
Map Reference	MB 10 PG 34
Instrument Date	May 5, 2022
Instrument	5153192
Transaction Type	Transfer
Record Updated	May 23, 2022
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6322 FOUR MILE RD, 6322, MELBOURNE, KY 41059-9496

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4257 WINTERS LN, COLD SPRING, KY 41076-8665

Mortgage

Document Number	0005153194
Date	May 10, 2022
Instrument	5153194

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Mortgage

Document Number	0005153195
Date	May 10, 2022
Book Page	M2343/351
Instrument	5153195

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2032

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	May 17, 2021
Property Address	4257 WINTERS LN, COLD SPRING, KY 41076-8665
Document Number	0005132249
Book / Page	D824 / 896
Map Reference	MB 10 PG 34
Instrument Date	May 12, 2021
Instrument	5132249
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
Tax	$26.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4257 WINTERS LN, 4257, COLD SPRING, KY 41076-8665

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6131 PAR FOUR CT, FLORENCE, KY 41042-7023

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	May 17, 2021
Property Address	4257 WINTERS LN, COLD SPRING, KY 41076-8665
Document Number	0005132250
Book / Page	D824 / 898
Map Reference	MB 10 PG 34
Instrument Date	May 12, 2021
Instrument	5132250
Transaction Type	Transfer
Record Updated	Jun 1, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6322 FOUR MILE RD, MELBOURNE, KY 41059-9496

Tax Assessment & Valuation

Source: Campbell County assessment roll, as of March 9, 2026

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	$2,969.00 (+17.82%)	$245,000 (+16.67%) Land $40,000 Building $205,000	$245,000 (+16.67%) Land $40,000 Building $205,000
2023	$2,520.00 (+140.69%)	$210,000 (+150.6%) Land $30,000 Building $180,000	$210,000 (+150.6%) Land $30,000 Building $180,000
2022	$1,047.00	$83,800 Land $30,000 Building $53,800	$83,800 Land $30,000 Building $53,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (1997–2018)
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.

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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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