5209 Winters Ln, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 5209 Winters Ln, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,009 sqft · built 1950
Lot Size	1.28 acres (56,018 sqft)
Owner	Individual Name on File
Last Sale	$232,500 (Jan 2019)
Tax Bill	$2,731 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-18-184.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-18-184.00`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,009 sqft Living Area

Exterior

Year Built	Built 1950
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	56,018 sqft (1.28 acres)
Garage Type	Attached
Pool Type	In-Ground Vinyl Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	9999918184.00
Street Address	5209 WINTERS LN
City	COLD SPRING
State	KY
Zip	41076-5713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONT 1.286 ACRES
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	4
Census Block	4016
Census Tract	52900

Owner

5209 Winters Ln is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	5209 WINTERS LN, COLD SPRING, KY 41076-5713
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
Dec 3, 2019	Deed of Trust, Mortgage · FHA Mortgage THE HUNTINGTON NATIONAL BANK
Jan 3, 2019	Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2019 · Amount on File
Deed Sale	Jan 3, 2019 · Amount on File
Deed Document Number	5085561
Deed Book / Page	D800 / 183
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	5209 WINTERS LN, COLD SPRING, KY 41076-5713
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AGILITY CLOSING & TTL SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005101596
Date	Dec 3, 2019
Book Page	M2201/650
Instrument	5101596

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAMPBELL KY
Recording Date	Jan 3, 2019
Property Address	5209 WINTERS LN, COLD SPRING, KY 41076-5713
Document Number	0005085561
Book / Page	000800 / 000183
Instrument Date	Dec 28, 2018
Instrument	5085561
Transaction Type	Transfer
Record Updated	Jan 21, 2019
Title Company	MATTINGLY-FORD TITLE SERVICES, MATTINGLY-FORD TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5209 WINTERS LN COLD SPRING KY 410765713, COLD SPRING, KY 41076-5713

Mortgage

Document Number	5085562
Date	Jan 3, 2019
Book Page	002168/000256
Instrument	5085562

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5209 Winters Ln was $2,731 with a homeowner's exemption.

Source: Campbell County assessment roll, as of April 1, 2025

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	$2,731.00 Homeowner's exemption	$274,500 Land $65,000 Building $209,500	$274,500 Land $65,000 Building $209,500
2023	$3,294.00 (+13.35%)	$274,500 (+18.06%) Land $65,000 Building $209,500	$274,500 (+18.06%) Land $65,000 Building $209,500
2022	$2,906.00	$232,500 Land $28,000 Building $204,500	$232,500 Land $28,000 Building $204,500

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

Flood

FEMA maps place 5209 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 5209 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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