4851 Winters Ln, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 4851 Winters Ln, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	999 sqft · built 1947
Lot Size	1.93 acres (84,245 sqft)
Owner	Individual Name on File
Tax Bill	$3,465 (2025)
Deeds & Mortgages	May 2023 Construction Loan Feb 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`999-99-19-760.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-19-760.00`

Interior

Building Area	999 sqft

Exterior

Year Built	Built 1947
Lot Area	84,245 sqft (1.93 acres)
Terrain	Combination

Location & Zoning

Old Parcel Number	9999919760.00
Street Address	4851 WINTERS LN
City	COLD SPRING
State	KY
Zip	41076-8677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LT 4 - WM. MILES 1.9337 AC
Legal Lot Number	4
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	4
Census Block	4009
Census Tract	52900

Owner

4851 Winters Ln is owned and occupied by an individual who acquired it in February 2022.

Source: Campbell County records, as of March 6, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4851 WINTERS LN, COLD SPRING, KY 41076-8677
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Deed of Trust, Mortgage · Construction Mortgage HEARTLAND BANK
Feb 10, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 10, 2022
Transfer Doc	0005148339
Record Updated	Jun 8, 2026

May 2023: 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	Feb 12, 2024
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 CREEKWOOD DR, WILDER, KY 41071-3314

Mortgage

Document Number	0005175660
Date	May 25, 2023
Book Page	M2380/539
Instrument	5175660

Lender

Name	HEARTLAND BANK
Type	Bank
Address	COLUMBUS, OH 43213

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	Other
Margin	3
Max Rate	12.2%

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAMPBELL KY
Recording Date	Feb 10, 2022
Property Address	4840 WINTERS LN, COLD SPRING, KY 41076-8676
Document Number	0005148339
Book / Page	D834 / 865
Instrument Date	Feb 1, 2022
Instrument	5148339
Transaction Type	Transfer
Record Updated	Feb 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	110 CREEKWOOD DR UNIT 5, 5, WILDER, KY 41071-3353

Tax Assessment & Valuation

The 2025 property tax bill for 4851 Winters Ln was $3,465 with a homeowner's exemption.

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	$3,465.00 Homeowner's exemption	$335,000 Land $47,500 Building $287,500	$335,000 Land $47,500 Building $287,500
2023	$569.00	$47,500 Land $47,500	$47,500 Land $47,500

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

Flood

FEMA maps place 4851 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

Wildfire risk around 4851 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.

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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