4840 Winters Ln, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 4840 Winters Ln, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,332 sqft · built 1989
Lot Size	2.03 acres (88,427 sqft)
Owner	2 Individual Names on Record
Last Sale	$429,900 (Oct 2021)
Tax Bill	$5,272 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-19-081.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-19-081.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,332 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	88,427 sqft (2.03 acres)
Terrain	Combination
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	4840 WINTERS LN
City	COLD SPRING
State	KY
Zip	41076-8676
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONT 2.030 ACRES
Legal Subdivision	WILLIAM MILES LAND
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	4840 WINTERS LN, COLD SPRING, KY 41076-8676
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 21, 2021	Warranty Deed, Transfer · VA Mortgage THE CREDIT RESOURCE LLC
Jan 12, 2021	Warranty Deed, Transfer ATTORNEY ONLY
Oct 28, 2019	Trustee's Deed, Construction Loan · Line of Credit HERITAGE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2021 · Amount on Record
Deed Sale	Oct 21, 2021 · Amount on Record
Prior Sale	May 17, 2018 · Amount on Record
Deed Document Number	20215142272
Deed Book / Page	830 / 799
Prior Transfer Date	Jul 20, 2005
Prior Transfer Doc	0001900213
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	4840 WINTERS LN, COLD SPRING, KY 41076-8676
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	SOLIDFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005111369
Date	Jun 12, 2020
Book Page	M2226/869
Instrument	5111369

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 5, 2035

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Oct 21, 2021
Property Address	4840 WINTERS LN, COLD SPRING, KY 41076-8676
Document Number	0005142272
Book / Page	D830 / 799
Map Reference	MB 512 PG 383
Instrument Date	Oct 12, 2021
Instrument	5142272
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 CREENTOP DRIVE #SS, 110, WILDER, KY 41071

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4840 WINTERS LN, COLD SPRING, KY 41076-8676
Investor	Possibly a Property Investor

Mortgage

Document Number	0005142274
Date	Oct 21, 2021
Book Page	M2313/41
Instrument	5142274

Lender

Name	THE CREDIT RESOURCE LLC
Type	Non-Lending Institution
Address	FLORENCE, KY 41042

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Jan 12, 2021
Property Address	4840 WINTERS LN, COLD SPRING, KY 41076-8676
Document Number	0005124155
Book / Page	000820 / 000679
Instrument Date	Dec 24, 2020
Instrument	5124155
Transaction Type	Transfer
Record Updated	Feb 3, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$15.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4840 WINTERS LN COLD SPRING KY 410768676, COLD SPRING, KY 41076-8676

October 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CAMPBELL KY
Recording Date	Oct 28, 2019
Property Address	4840 WINTERS LN, COLD SPRING, KY 41076-8676
Book / Page	002197 / 000340
Instrument Date	Oct 8, 2019
Instrument	5099704
Transaction Type	Construction Loan
Record Updated	Dec 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4840 WINTERS LN COLD SPRING KY 410768676, COLD SPRING, KY 41076-8676

Mortgage

Document Number	0005099704
Date	Oct 28, 2019
Book Page	002197/000340
Instrument	5099704

Lender

Name	HERITAGE BK
Type	Bank
Address	COLD SPRING, KY 41076

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$5,272.00 (+7.59%)	$435,000 (+6.51%) Land $60,000 Building $375,000	$435,000 (+6.51%) Land $60,000 Building $375,000
2023	$4,900.00 (-4.02%)	$408,405 (-) Land $50,000 Building $358,405	$408,405 (-) Land $50,000 Building $358,405
2022	$5,105.00	$408,405 Land $50,000 Building $358,405	$408,405 Land $50,000 Building $358,405

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 66 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

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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