4538 Winters Ln, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 4538 Winters Ln, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	1,334 sqft
Lot Size	1.38 acres (60,505 sqft)
Owner	Individual Name on Record
Last Sale	$205,500 (Nov 2021)
Tax Bill	$3,030 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-19-945.01`

Property Details

APN / Parcel Number

Primary APN	`999-99-19-945.01`

Interior

Stories	1 Story
Building Area	1,334 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	60,505 sqft (1.38 acres)
Terrain	Combination

Location & Zoning

Old Parcel Number	9999919945.01
Street Address	4538 WINTERS LN
City	COLD SPRING
State	KY
Zip	41076-8670
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.3892 ACRES
Legal Subdivision	ORCHARD TERRACE
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 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4538 WINTERS LN, COLD SPRING, KY 41076-8670
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Warranty Deed, Transfer · USDA Mortgage STOCKTON MORTGAGE CORP
Oct 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
Dec 10, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
Jun 29, 2018	Grant Deed, Transfer SOJOURNERS TITLE AGENCY
Mar 15, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on Record
Deed Sale	Nov 1, 2021 · Amount on Record
Prior Sale	Dec 10, 2018 · Amount on Record
Deed Document Number	5142921
Deed Book / Page	D831 / 268
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Nov 1, 2021
Property Address	4538 WINTERS LN, COLD SPRING, KY 41076-8670
Document Number	0005142921
Book / Page	D831 / 268
Instrument Date	Oct 28, 2021
Instrument	5142921
Transaction Type	Transfer
Record Updated	Nov 17, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$205.50
Amount Accuracy	Full Amount Stated
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	4538 WINTERS LN, COLD SPRING, KY 41076-8670

Mortgage

Document Number	0005142922
Date	Nov 1, 2021
Instrument	5142922

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Mortgage

Document Number	0005142923
Date	Nov 1, 2021
Book Page	M2314/648
Instrument	5142923

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FT MITCHELL, KY 41017

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2031

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	4538 WINTERS LN, COLD SPRING, KY 41076-8670
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005118847
Date	Oct 12, 2020
Book Page	M2247/773
Instrument	5118847

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

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

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Dec 10, 2018
Property Address	4538 WINTERS LN, COLD SPRING, KY 41076-8670
Document Number	0005084560
Book / Page	D799 / 626
Instrument Date	Nov 30, 2018
Instrument	5084560
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 ROSE DR, 22, DAYTON, KY 41074-1628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4538 WINTERS LN, COLD SPRING, KY 41076-8670

Mortgage

Document Number	0005084561
Date	Dec 10, 2018
Instrument	5084561

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAMPBELL KY
Recording Date	Jun 29, 2018
Property Address	4538 WINTERS LN, COLD SPRING, KY 41076-8670
Document Number	0005076119
Book / Page	000795 / 000602
Instrument Date	Jun 14, 2018
Instrument	5076119
Transaction Type	Transfer
Record Updated	Jul 30, 2018
Title Company	SOJOURNERS TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$73.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 ROSE DR DAYTON KY 410741628, DAYTON, KY 41074-1628

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CAMPBELL KY
Recording Date	Mar 15, 2018
Property Address	4538 WINTERS LN, COLD SPRING, KY 41076-8670
Document Number	0005070744
Book / Page	000792 / 000712
Instrument Date	Feb 14, 2018
Instrument	5070744
Transaction Type	Foreclosure
Record Updated	Apr 2, 2018

Transaction

Amount	Amount Recorded
Tax	$116.82
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8742 LUCENT BLVD #300 HIGHLANDS RANCH CO 801292386, 300, HIGHLANDS RANCH, CO 80129-2386

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	$3,030.00 (+22.92%)	$250,000 (+21.65%) Land $50,000 Building $200,000	$250,000 (+21.65%) Land $50,000 Building $200,000
2023	$2,465.00 (-4.01%)	$205,500 (-) Land $35,000 Building $170,500	$205,500 (-) Land $35,000 Building $170,500
2022	$2,568.00	$205,500 Land $35,000 Building $170,500	$205,500 Land $35,000 Building $170,500

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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