5125 Winters Ln, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 5125 Winters Ln, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,390 sqft · built 1938
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Sep 2026)
Tax Bill	$3,260 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-18-564.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-18-564.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,390 sqft Living Area

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5125 WINTERS LN
City	COLD SPRING
State	KY
Zip	41076-5719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LEICHT PAT CONT 1.00 AC +
Legal Subdivision	GEORGE WINTERS FARM
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	4
Census Block	4016
Census Tract	52900

Owner

5125 Winters Ln is owned and occupied by two individuals who bought it in September 2026.

Source: Campbell County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5125 WINTERS LN, COLD SPRING, KY 41076-5719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Sep 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage RAPID MORTGAGE COMPANY
Sep 16, 2026	Warranty Deed, Transfer · Conventional Mortgage RAPID MORTGAGE COMPANY
Jan 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Jun 17, 2020	Warranty Deed, Transfer · Conventional Mortgage SIBCY CLINE MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2026 · Amount on File
Deed Sale	Sep 16, 2026 · Amount on File
Prior Sale	Jun 17, 2020 · Amount on File
Deed Document Number	20266259455
Deed Book / Page	887 / 847
Prior Transfer Date	Nov 25, 2024
Prior Transfer Doc	0005380901
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Recording Date	Sep 16, 2026
Property Address	5125 WINTERS LN, COLD SPRING, KY 41076-5719
Document Number	0006259458
Book / Page	2510 / 889
Instrument Date	Sep 15, 2026
Instrument	20266259458
Transaction Type	Mortgage
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 BAKER AVE, CINCINNATI, OH 45217-1244

Mortgage

Document Number	0006259458,
Date	Sep 16, 2026
Book Page	2510/889
Instrument	20266259458

Lender

Name	RAPID MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Sep 16, 2026
Property Address	5125 WINTERS LN, COLD SPRING, KY 41076-5719
Document Number	0006259455
Book / Page	887 / 847
Instrument Date	Sep 15, 2026
Instrument	20266259455
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,350.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	5125 WINTERS LN, COLD SPRING, KY 41076-5719

Mortgage

Document Number	0006259455,
Date	Sep 16, 2026
Book Page	2510/889
Instrument	20266259455

Lender

Name	RAPID MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	5125 WINTERS LN, COLD SPRING, KY 41076-5719
Transaction Type	Mortgage
Record Updated	Feb 25, 2026
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006019725
Date	Jan 30, 2026
Book Page	M2483/78
Instrument	6019725

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 23, 2036

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Jun 17, 2020
Property Address	5125 WINTERS LN, COLD SPRING, KY 41076-5719
Document Number	0005111627
Book / Page	D813 / 687
Instrument Date	May 29, 2020
Instrument	5111627
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	LAWYERS TTL OF CINCINNATI IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9743 JERRY WRIGHT RD, 9743, ALEXANDRIA, KY 41001-9013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5125 WINTERS LN, COLD SPRING, KY 41076-5719

Mortgage

Document Number	0005111628
Date	Jun 17, 2020
Instrument	5111628

Lender

Name	SIBCY CLINE MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5125 Winters Ln was $3,260.

Source: Campbell County assessment roll, as of March 9, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Municipality	Cold Spring City
Unified School District	Campbell County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,260.00	$269,000 Land $75,000 Building $194,000	$269,000 Land $75,000 Building $194,000
2023	$2,760.00 (+10.4%)	$230,000 (+15%) Land $75,000 Building $155,000	$230,000 (+15%) Land $75,000 Building $155,000
2022	$2,500.00	$200,000 Land $45,000 Building $155,000	$200,000 Land $45,000 Building $155,000

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

Flood

FEMA maps place 5125 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 5125 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 110 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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