4295 Winters Ln, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 4295 Winters Ln, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	960 sqft · built 1965
Owner	2 Individual Names on Record
Last Sale	$115,000 (Nov 2018)
Tax Bill	$1,818 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-18-051.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-18-051.00`

Interior

Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1965
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Terrain	Combination

Location & Zoning

Old Parcel Number	9999918051.00
Street Address	4295 WINTERS LN
City	COLD SPRING
State	KY
Zip	41076-8665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT 6 WMSONS SUBD IRREG TRACT
Legal Subdivision	WILLIAMSON SUB
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 6, 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	4295 WINTERS LN, COLD SPRING, KY 41076-8665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF ENGLAND
Nov 29, 2018	Warranty Deed, Transfer · Conventional with PMI BANK OF ENGLAND
Feb 2, 2018	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2018 · Amount on Record
Deed Sale	Nov 29, 2018 · Amount on Record
Deed Document Number	5084084
Deed Book / Page	D799 / 399
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	4295 WINTERS LN, COLD SPRING, KY 41076-8665
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BCHH INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005122172
Date	Dec 7, 2020
Book Page	M2257/101
Instrument	5122172

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Nov 29, 2018
Property Address	4295 WINTERS LN, COLD SPRING, KY 41076-8665
Document Number	0005084084
Book / Page	000799 / 000399
Instrument Date	Nov 27, 2018
Instrument	5084084
Transaction Type	Transfer
Record Updated	Dec 17, 2018
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4295 WINTERS LN COLD SPRING KY 410768665, COLD SPRING, KY 41076-8665

Mortgage

Document Number	5084085
Date	Nov 29, 2018
Book Page	002165/000366
Instrument	5084085

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	4295 WINTERS LN, COLD SPRING, KY 41076-8665
Document Number	0005070221
Instrument Date	Feb 2, 2018
Transaction Type	Mortgage
Record Updated	Apr 25, 2018
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4295 WINTERS LN COLD SPRING KY 410768665, COLD SPRING, KY 41076-8665

Mortgage

Document Number	0005070221
Date	Mar 5, 2018
Book Page	002138/000329
Instrument	5070221

Lender

Name	US BK
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$1,818.00 (+31.74%)	$150,000 (+30.43%) Land $20,000 Building $130,000	$150,000 (+30.43%) Land $20,000 Building $130,000
2023	$1,380.00 (-3.97%)	$115,000 (-) Land $10,000 Building $105,000	$115,000 (-) Land $10,000 Building $105,000
2022	$1,437.00	$115,000 Land $10,000 Building $105,000	$115,000 Land $10,000 Building $105,000

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

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 minimal risk
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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