4460 Winters Ln, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 4460 Winters Ln, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,640 sqft
Lot Size	1.43 acres (62,465 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Jan 2024)
Tax Bill	$2,848 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-18-845.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-18-845.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,640 sqft Living Area

Exterior

Exterior Material	Logs
Construction Type	Log
Roof Type	Gable
Roof Material	Metal
Lot Area	62,465 sqft (1.43 acres)
Terrain	Steep

Location & Zoning

Street Address	4460 WINTERS LN
City	COLD SPRING
State	KY
Zip	41076-8668
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL L PT LOT 7 WM WILLIAMSONS SUB & PARCEL 2 0.434 AC TOTAL OF 1.434 AC
Legal Subdivision	WM F WILLIAMSONS SUBDIVISION
Legal Lot Number	7
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	3
Census Block	3003
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	4460 WINTERS LN, COLD SPRING, KY 41076-8668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 14, 2017	Grant Deed, Transfer · Conventional with PMI OPTION FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2024 · Amount on Record
Deed Sale	Jan 23, 2024 · Amount on Record
Prior Sale	Aug 14, 2017 · Amount on Record
Deed Document Number	20245319788
Deed Book / Page	858 / 10
Prior Transfer Date	Nov 17, 2006
Prior Transfer Doc	0001900096
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Jan 23, 2024
Property Address	4460 WINTERS LN, COLD SPRING, KY 41076-8668
Document Number	0005319788
Book / Page	D858 / 10
Instrument Date	Jan 19, 2024
Instrument	5319788
Transaction Type	Transfer
Record Updated	Feb 8, 2024
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 LITTLE ROUND TOP # 238, 238, FORT THOMAS, KY 41075-4460

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4460 WINTERS LN, COLD SPRING, KY 41076-8668
Investor	Possibly a Property Investor

Mortgage

Document Number	0005319792
Date	Jan 23, 2024
Instrument	5319792

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAMPBELL KY
Recording Date	Aug 14, 2017
Property Address	4460 WINTERS LN, COLD SPRING, KY 41076-8668
Document Number	0005061286
Book / Page	000787 / 000685
Instrument Date	Jul 28, 2017
Instrument	5061286
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	SOJOURNERS TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4460 WINTERS LN COLD SPRING KY 410768668, COLD SPRING, KY 41076-8668

Mortgage

Document Number	5061287
Date	Aug 14, 2017
Book Page	002119/000230
Instrument	5061287

Lender

Name	OPTION FINANCIAL LLC
Type	Funding / Finance Company
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2047

Mortgage

Document Number	5061288,
Date	Aug 14, 2017
Book Page	002119/000246
Instrument	5061288

Lender

Type	Funding / Finance Company
Address	CINCINNATI, OH 45247

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 13, 2027

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	$2,848.00 (+19.81%)	$235,000 (+18.63%) Land $50,000 Building $185,000	$235,000 (+18.63%) Land $50,000 Building $185,000
2023	$2,377.00 (-4%)	$198,100 (-) Land $50,000 Building $148,100	$198,100 (-) Land $50,000 Building $148,100
2022	$2,476.00	$198,100 Land $50,000 Building $148,100	$198,100 Land $50,000 Building $148,100

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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 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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