Campbell County property record for 5372 Winters Ln, Cold Spring, KY 41076
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,557 sqft · built 1953 |
| Lot Size | 0.569 acres (24,829 sqft) |
| Owner | Individual Name on File |
| Last Sale | $157,450 (Jul 2018) |
| Tax Bill | $1,764 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-19-632.00 |
| Primary APN | 999-99-19-632.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,557 sqft Living Area |
| Year Built | Built 1953 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 24,829 sqft (0.569 acres) |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999919632.00 |
|---|---|
| Street Address | 5372 WINTERS LN |
| City | COLD SPRING |
| State | KY |
| Zip | 41076-5714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CONT 0.57 ACRE |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 52900 |
5372 Winters Ln is owned and occupied by an individual who bought it in July 2018.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5372 WINTERS LN, COLD SPRING, KY 41076-5714 |
| 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.
| Date | Document |
|---|---|
| Jun 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP |
| Jul 19, 2018 | Warranty Deed, Transfer · Conventional Mortgage UNITED BANK & CAPITAL TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2018 · Amount on File |
| Deed Sale | Jul 19, 2018 · Amount on File |
| Deed Document Number | 5077169 |
| Deed Book / Page | D796 / 126 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 5372 WINTERS LN, COLD SPRING, KY 41076-5714 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0005134290 |
|---|---|
| Date | Jun 18, 2021 |
| Book Page | M2292/295 |
| Instrument | 5134290 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jul 19, 2018 |
| Property Address | 5372 WINTERS LN, COLD SPRING, KY 41076-5714 |
| Document Number | 0005077169 |
| Book / Page | D796 / 126 |
| Instrument Date | Jun 11, 2018 |
| Instrument | 5077169 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $157.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5372 WINTERS LN, COLD SPRING, KY 41076-5714 |
| Document Number | 0005077170 |
|---|---|
| Date | Jul 19, 2018 |
| Instrument | 5077170 |
| Name | UNITED BANK & CAPITAL TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 5372 Winters Ln was $1,764 with a homeowner's exemption.
Source: Campbell County assessment roll, as of April 1, 2025
| 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 | $1,764.00 Homeowner's exemption | $194,700 Land $50,000 Building $144,700 | $194,700 Land $50,000 Building $144,700 |
| 2023 | $1,780.00 (+21.83%) Homeowner's exemption | $194,700 (+23.7%) Land $50,000 Building $144,700 | $194,700 (+23.7%) Land $50,000 Building $144,700 |
| 2022 | $1,461.00 Homeowner's exemption | $157,400 Land $23,500 Building $133,900 | $157,400 Land $23,500 Building $133,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5372 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 risk around 5372 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 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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