4686 Winters Ln, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 4686 Winters Ln, Cold Spring, KY 41076 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,152 sqft · built 1973
Owner	Individual Name on File
Last Sale	$240,000 (Jan 2022)
Tax Bill	$3,636 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-20-390.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-20-390.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,152 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Terrain	Rolling

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	9999920390.00
Street Address	4686 WINTERS LN
City	COLD SPRING
State	KY
Zip	41076-8672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 SEC 2 DON LEE SUB
Legal Subdivision	DON LEE
Legal Phase	2
Legal Lot Number	5
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	3
Census Block	3003
Census Tract	52900

Owner

Source: Campbell County records · APN 999-99-20-390.00

Assessment roll updated April 1, 2025 · Last verified March 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 File
Mailing Address	4686 WINTERS LN, COLD SPRING, KY 41076-8672
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 04, 2022 · Amount on Record
Deed Sale	Jan 04, 2022 · Amount on Record
Prior Sale	Sep 12, 1997 · Amount on Record
Deed Document Number	5146439
Deed Book / Page	D833 / 486
Record Updated	Jun 08, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Jan 04, 2022
Property Address	4686 WINTERS LN, COLD SPRING, KY 41076-8672
Document Number	0005146439
Book / Page	D833 / 486
Map Reference	MB 10B PG 37-C
Instrument Date	Dec 23, 2021
Instrument	5146439
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1564 WESSELS DR APT 2, 1564, COVINGTON, KY 41011-5631

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4686 WINTERS LN, COLD SPRING, KY 41076-8672

Mortgage

Document Number	0005146440
Date	Jan 04, 2022
Instrument	5146440

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Campbell County records · Assessment roll updated April 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Unified School District	Campbell County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,636.00 (+26.25%)	$300,000 (+25%) Land $75,000 Building $225,000	$300,000 (+25%) Land $75,000 Building $225,000
2023	$2,880.00 (-4%)	$240,000 (-) Land $75,000 Building $165,000	$240,000 (-) Land $75,000 Building $165,000
2022	$3,000.00	$240,000 Land $75,000 Building $165,000	$240,000 Land $75,000 Building $165,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Campbell County (21037C), updated August 24, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210370529003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force 1 of 1 on primary residences

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.