Kenton County property record for 10490 Fairbourne Dr, Covington, KY 41015
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.304 acres (13,242 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $392,000 (Dec 2025) |
| Tax Bill | $348 (2025) |
| Deeds & Mortgages | Jul 2023 Construction Loan Nov 2024 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-00-02-056.00 |
| Primary APN | 061-00-02-056.00 |
|---|
| Lot Area | 13,242 sqft (0.304 acres) |
|---|
| Street Address | 10490 FAIRBOURNE DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2022 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | LOT 56 VILLAGES OF DECOURSEY CREEK SEC 4 0.304 AC |
| Legal Subdivision | VILLAGES OF DECOURSEY CREEK |
| Legal Phase | 4 |
| Legal Lot Number | 56 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 65800 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10490 FAIRBOURNE DR, COVINGTON, KY 41015-2022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 25, 2023 | Deed of Trust, Mortgage · Construction Mortgage HERITAGE BANK INC |
| Nov 27, 2024 | Deed of Trust, Mortgage · Construction Mortgage HERITAGE BANK INC |
| Dec 22, 2025 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage VICTORY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2025 · Amount on Record |
| Deed Sale | Dec 22, 2025 · Amount on Record |
| Prior Sale | Mar 10, 2025 · Amount on Record |
| Deed Document Number | 2025122222 |
| Deed Book / Page | 381 / 187 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 10490 FAIRBOURNE DR, COVINGTON, KY 41015-2022 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0005900007 |
|---|---|
| Date | Jul 25, 2023 |
| Book Page | KCM 478/75 |
| Instrument | 23072505900007 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | ERLANGER, KY 41018 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Jul 5, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 10490 FAIRBOURNE DR, COVINGTON, KY 41015-2022 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0005900144 |
|---|---|
| Date | Nov 27, 2024 |
| Book Page | KCM 605/562 |
| Instrument | 24112705900144 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | ERLANGER, KY 41018 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Nov 22, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 22, 2025 |
| Property Address | 10490 FAIRBOURNE DR, COVINGTON, KY 41015-2022 |
| Document Number | 0005900022 |
| Book / Page | KC 381 / 187 |
| Map Reference | MB 332 PG 689 |
| Instrument Date | Dec 5, 2025 |
| Instrument | 25122205900022 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 8, 2026 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $392.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10490 FAIRBOURNE DR, COVINGTON, KY 41015-2022 |
| Document Number | 0005900023 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | 25122205900023 |
| Name | VICTORY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $392,000 (+1,206.67%) Land $58,700 Building $333,300 | $392,000 (+1,206.67%) Land $58,700 Building $333,300 | |
| 2025 | $348.00 | $30,000 Land $30,000 | $30,000 Land $30,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 | 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 31 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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