5228 Winters Ln, Cold Spring (Newport), KY 41076 Property Records

Campbell County property record for 5228 Winters Ln, Cold Spring, KY 41076

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,326 sqft · built 1955
Lot Size	0.342 acres (14,918 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Sep 2021)
Tax Bill	$2,302 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-17-644.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-17-644.00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,326 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,918 sqft (0.342 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	5228 WINTERS LN
City	COLD SPRING
State	KY
Zip	41076-5712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 WINTERS LN SUB
Legal Subdivision	WINTERS LAND SUB
Legal Lot Number	13
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	3
Census Block	3014
Census Tract	52900

Owner

5228 Winters Ln is owned and occupied by an individual who bought it in September 2021.

Source: Campbell County records, as of March 9, 2026

Owner of Record	Individual Name on File
Mailing Address	5228 WINTERS LN, COLD SPRING, KY 41076-5712
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2021 · Amount on File
Deed Sale	Sep 23, 2021 · Amount on File
Prior Sale	Mar 30, 2010 · Amount on File
Deed Document Number	20215140660
Deed Book / Page	829 / 798
Prior Transfer Date	Feb 19, 2010
Prior Transfer Doc	0001900092
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Sep 23, 2021
Property Address	5228 WINTERS LN, COLD SPRING, KY 41076-5712
Document Number	0005140660
Book / Page	D829 / 798
Map Reference	MB 10 PG 27-B
Instrument Date	Sep 22, 2021
Instrument	5140660
Transaction Type	Transfer
Record Updated	Oct 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3059 SILVERBELL WAY, 3059, INDEPENDENCE, KY 41051-0228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5228 WINTERS LN, COLD SPRING, KY 41076-5712

Mortgage

Document Number	0005140661
Date	Sep 23, 2021
Instrument	5140661

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 5228 Winters Ln was $2,302.

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	$2,302.00	$190,000 Land $40,000 Building $150,000	$190,000 Land $40,000 Building $150,000
2023	$2,280.00 (-4%)	$190,000 (-) Land $40,000 Building $150,000	$190,000 (-) Land $40,000 Building $150,000
2022	$2,375.00	$190,000 Land $20,000 Building $170,000	$190,000 Land $20,000 Building $170,000

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

Flood

FEMA maps place 5228 Winters Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5228 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 133 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20