4449 Winters Ln, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 4449 Winters Ln, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	900 sqft · built 1990
Lot Size	2.18 acres (95,135 sqft)
Owner	Individual Name on File
Last Sale	$379,900 (May 2025)
Tax Bill	$2,181 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-18-670.01`

Property Details

APN / Parcel Number

Primary APN	`999-99-18-670.01`

Interior

Stories	1 Story
Building Area	900 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	95,135 sqft (2.18 acres)
Terrain	Rolling
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	4449 WINTERS LN
City	COLD SPRING
State	KY
Zip	41076-8669
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.184 ACRES
Legal Subdivision	WILBUR HELTON & CATHERINE HELT
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	4
Census Block	4009
Census Tract	52900

Owner

4449 Winters Ln is owned and occupied by an individual who bought it in May 2025.

Source: Campbell County records, as of March 24, 2026

Owner of Record	Individual Name on File
Mailing Address	4449 WINTERS LN, COLD SPRING, KY 41076-8669
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 30, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2025 · Amount on File
Deed Sale	May 30, 2025 · Amount on File
Prior Sale	Dec 30, 2002 · Amount on File
Deed Document Number	20255409450
Deed Book / Page	872 / 824
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	4449 WINTERS LN, COLD SPRING, KY 41076-8669
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4449 WINTERS LN, COLD SPRING, KY 41076-8669

Mortgage

Document Number	0006028303
Date	Mar 11, 2026
Book Page	M2487/806
Instrument	6028303

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	May 30, 2025
Property Address	4449 WINTERS LN, COLD SPRING, KY 41076-8669
Document Number	0005409450
Book / Page	D872 / 824
Instrument Date	May 28, 2025
Instrument	5409450
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1893 RACE TRACK RD, ALEXANDRIA, KY 41001-7721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4449 WINTERS LN, COLD SPRING, KY 41076-8669

Mortgage

Document Number	0005409454
Date	May 30, 2025
Instrument	5409454

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 4449 Winters Ln was $2,181.

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	$2,181.00	$180,000 Land $40,000 Building $140,000	$180,000 Land $40,000 Building $140,000
2023	$1,452.00 (-3.97%)	$121,000 (-) Land $35,000 Building $86,000	$121,000 (-) Land $35,000 Building $86,000
2022	$1,512.00	$121,000 Land $35,000 Building $86,000	$121,000 Land $35,000 Building $86,000

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

Flood

FEMA maps place 4449 Winters Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1997.

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
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

Wildfire risk around 4449 Winters Ln 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 26 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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