Campbell County property record for 5300 Winters Ln, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,156 sqft · built 1978 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $158,000 (May 2007) |
| Tax Bill | $3,083 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-20-130.00 |
| Primary APN | 999-99-20-130.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,156 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5300 WINTERS LN |
|---|---|
| City | COLD SPRING |
| State | KY |
| Zip | 41076-5714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CONT 0.37 ACRES |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 52900 |
Source: Campbell County records, as of March 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 5300 WINTERS LN, COLD SPRING, KY 41076-5714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Mar 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 17, 2007 · Amount on Record |
| Deed Sale | May 17, 2007 · Amount on Record |
| Prior Sale | Jun 19, 1998 · Amount on Record |
| Deed Document Number | 200705 17 019 00032 |
| Deed Book / Page | 706 / 399 |
| Prior Transfer Date | Apr 30, 2007 |
| Prior Transfer Doc | 0001900234 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 5300 WINTERS LN, COLD SPRING, KY 41076-5714 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2023 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|---|
| Address | 5300 WINTERS LN, COLD SPRING, KY 41076-5714 |
| Document Number | 0005166792 |
|---|---|
| Date | Mar 14, 2023 |
| Book Page | M2373/533 |
| Instrument | 5166792 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Apr 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.25% |
| Index | 1-Year T-Bill |
| Margin | 3 |
| Max Rate | 11.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 5300 WINTERS LN, COLD SPRING, KY 41076-5714 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2022 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|
| Document Number | 0005150549 |
|---|---|
| Date | Mar 22, 2022 |
| Book Page | M2336/598 |
| Instrument | 5150549 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
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 | $3,083.00 (+1.02%) | $254,400 (-) Land $40,000 Building $214,400 | $254,400 (-) Land $40,000 Building $214,400 |
| 2023 | $3,052.00 (+13.58%) | $254,400 (+18.33%) Land $40,000 Building $214,400 | $254,400 (+18.33%) Land $40,000 Building $214,400 |
| 2022 | $2,687.00 | $215,000 Land $20,000 Building $195,000 | $215,000 Land $20,000 Building $195,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 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 |
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