Campbell County property record for 4645 Winters Ln, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,305 sqft · built 1930 |
| Lot Size | 1.6 acres (69,696 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $141,000 (Aug 2026) |
| Tax Bill | $1,981 (2025) |
| Deeds & Mortgages | Aug 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-17-913.00 |
| Primary APN | 999-99-17-913.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,305 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 69,696 sqft (1.6 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Cooling System | Central |
|---|---|
| Heating System | Space Heater |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4645 WINTERS LN |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-8673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CONT 1.60 ACRES |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 52900 |
4645 Winters Ln is owned and occupied by two individuals who bought it in August 2026.
Source: Campbell County records, as of August 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4645 WINTERS LN, COLD SPRING, KY 41076-8673 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2026 · Amount on File |
| Deed Sale | Aug 3, 2026 · Amount on File |
| Prior Sale | Jan 24, 2025 · Amount on File |
| Deed Document Number | 20266249555 |
| Deed Book / Page | 886 / 438 |
| Prior Transfer Date | Dec 20, 2024 |
| Prior Transfer Doc | 0005385671 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Aug 3, 2026 |
| Property Address | 4645 WINTERS LN, COLD SPRING, KY 41076-8673 |
| Document Number | 0006249555 |
| Book / Page | 886 / 438 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 20266249555 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $14,241.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4645 WINTERS LN, COLD SPRING, KY 41076-8673 |
The 2025 property tax bill for 4645 Winters Ln was $1,981.
Source: Campbell County assessment roll, as of March 9, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Unified School District | Campbell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,981.00 | $163,500 Land $45,000 Building $118,500 | $163,500 Land $45,000 Building $118,500 |
| 2023 | $545.00 (-14.98%) Homeowner's exemption | $91,800 (-) Land $20,000 Building $71,800 | $91,800 (-) Land $20,000 Building $71,800 |
| 2022 | $641.00 Homeowner's exemption | $91,800 Land $20,000 Building $71,800 | $91,800 Land $20,000 Building $71,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4645 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 risk around 4645 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.
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 |
| 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.
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.
5G and 4G LTE (outdoors only)
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