Campbell County property record for 4737 Winters Ln, Cold Spring, KY 41076
| Property Type | General Agricultural/Rural |
|---|---|
| Details | 2 bd · 2.5 ba · 1,564 sqft · built 1972 |
| Lot Size | 7.23 acres (315,074 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $216,500 (Jul 2013) |
| Tax Bill | $4,585 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Feb 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-17-863.01 |
| Primary APN | 999-99-17-863.01 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,564 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 315,074 sqft (7.23 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 4737 WINTERS LN |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-8675 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > General Agricultural/Rural |
| Legal Description | PT LOT 6 MILES EST |
| Legal Subdivision | DON LEE SUB |
| Legal Lot Number | 6 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 52900 |
4737 Winters Ln, an agricultural property, is owned by two individuals who bought it in July 2013.
Source: Campbell County records, as of March 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4737 WINTERS LN, COLD SPRING, KY 41076-8675 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Feb 22, 2022 | Deed of Trust, Mortgage · Line of Credit FORCHT BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2013 · Amount on File |
| Deed Sale | Jul 8, 2013 · Amount on File |
| Deed Document Number | 20137 08 13 019 001 |
| Deed Book / Page | 753 / 51 |
| Prior Transfer Date | Sep 4, 2012 |
| Prior Transfer Doc | 0001900561 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 4737 WINTERS LN, COLD SPRING, KY 41076-8675 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | ADVANTAGE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0005121096 |
|---|---|
| Date | Nov 18, 2020 |
| Book Page | M2254/78 |
| Instrument | 5121096 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 4737 WINTERS LN, COLD SPRING, KY 41076-8675 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4737 WINTERS LN, COLD SPRING, KY 41076-8675 |
| Document Number | 0005148852 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | M2331/750 |
| Instrument | 5148852 |
| Name | FORCHT BANK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4737 Winters Ln was $4,585.
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 | $4,585.00 | $378,300 Land $17,300 Building $361,000 | $403,300 |
| 2023 | $2,792.00 (-3.99%) | $232,700 (-) Land $11,700 Building $221,000 | $253,200 (-) |
| 2022 | $2,908.00 | $232,700 Land $11,700 Building $221,000 | $253,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4737 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 4737 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 25 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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