Campbell County property record for 5185 Winters Ln, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,416 sqft · built 1950 |
| Lot Size | 1.49 acres (64,935 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $85,000 (Feb 2013) |
| Tax Bill | $1,563 (2025) |
| Deeds & Mortgages | Jul 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-697.00 |
| Primary APN | 999-99-19-697.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,416 sqft Living Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 64,935 sqft (1.49 acres) |
| Terrain | Combination |
| Garage Type | Basement |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5185 WINTERS LN |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-5719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IRREG TRACT |
| Legal Subdivision | STEFFEN |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 52900 |
5185 Winters Ln is owned and occupied by two individuals who acquired it in March 2013.
Source: Campbell County records, as of March 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5185 WINTERS LN, COLD SPRING, KY 41076-5719 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2013 · Amount on File |
| Deed Sale | Feb 27, 2013 · Amount on File |
| Deed Document Number | 20132 27 13 019 000 |
| Deed Book / Page | 749 / 716 |
| Last Transfer Date | Mar 12, 2013 |
| Transfer Doc | 0001900063 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 5185 WINTERS LN, COLD SPRING, KY 41076-5719 |
| Document Number | 0005094881 |
| Instrument Date | Jul 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2019 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5185 WINTERS LN COLD SPRING KY 410765719, COLD SPRING, KY 41076-5719 |
| Document Number | 0005094881 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 002186/000404 |
| Instrument | 5094881 |
| Name | FIFTH THIRD BK/N KY |
|---|---|
| Type | Bank |
| Address | 5050 KINGSLEY DR, CINCINNATI, OH 45227-1115 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 29, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 5185 Winters Ln was $1,563.
Source: Campbell County assessment roll, as of March 9, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Municipality | Cold Spring City |
| Unified School District | Campbell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,563.00 | $129,000 Land $65,000 Building $64,000 | $129,000 Land $65,000 Building $64,000 |
| 2023 | $1,548.00 (+32.19%) | $129,000 (+37.64%) Land $65,000 Building $64,000 | $129,000 (+37.64%) Land $65,000 Building $64,000 |
| 2022 | $1,171.00 | $93,720 Land $30,000 Building $63,720 | $93,720 Land $30,000 Building $63,720 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5185 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 5185 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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures