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10502 Fairbourne Dr, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 10502 Fairbourne Dr, Covington, KY 41015

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · built 2024
Lot Size0.241 acres (10,498 sqft)
Owner2 Individual Names on File
Last Sale$448,860 (Jun 2024)
Tax Bill$4,648 (2025)
Deeds & MortgagesFeb 2026 Mortgage
Jul 2023 Construction Loan
+ 2 more
Flood ZoneZone X (minimal risk)
APN061-00-02-059.00

Property Details

APN / Parcel Number

Primary APN061-00-02-059.00

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialBrick
Foundation TypeConcrete
Lot Area10,498 sqft (0.241 acres)
Garage TypeBasement
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Street Address10502 FAIRBOURNE DR
CityCOVINGTON
StateKY
Zip41015-2020
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 59 VILLAGES OF DECOURSEY CREEK SEC 4 0.241 AC
Legal SubdivisionVILLAGES OF DECOURSEY CREEK
Legal Phase4
Legal Lot Number59
JurisdictionKENTON KY
Township / Civil DivisionINDEPENDENCE
Census Block Group2
Census Block2002
Census Tract65800

Owner

10502 Fairbourne Dr is owned and occupied by two individuals who bought it in June 2024.

Source: Kenton County records, as of October 20, 2026

Owner of Record2 Individual Names on File
Mailing Address10502 FAIRBOURNE DR, COVINGTON, KY 41015-2020
OccupancyOwner Occupied
Owner TypeIndividual
VestingRemainderman

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

DateDocument
Feb 3, 2026Deed of Trust, Mortgage · VA Mortgage
VICTORY MORTGAGE LLC
Jul 25, 2023Deed of Trust, Mortgage · Construction Mortgage
HERITAGE BANK INC
Jan 23, 2024Deed of Trust, Mortgage · Unknown
FISCHER LEDNING COMPANY LLC
Jun 3, 2024Deed, Subdivision Related Transfer · VA Mortgage
VICTORY MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 3, 2024 · Amount on File
Deed SaleJun 3, 2024 · Amount on File
Deed Document Number202435
Deed Book / Page287 / 183
Record UpdatedOct 29, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address10502 FAIRBOURNE DR, COVINGTON, KY 41015-2020
Transaction TypeMortgage
Record UpdatedFeb 18, 2026
Title CompanyHOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address10502 FAIRBOURNE DR, COVINGTON, KY 41015-2020

Mortgage

Document Number0000002103
DateFeb 3, 2026
Book Page730/159
Instrument26059000002103
Lender
NameVICTORY MORTGAGE LLC
TypeMortgage Company
AddressERLANGER, KY 41018
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueFeb 1, 2056

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address10502 FAIRBOURNE DR, COVINGTON, KY 41015-2020
Transaction TypeMortgage
Record UpdatedNov 28, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900007
DateJul 25, 2023
Book PageKCM 478/75
Instrument23072505900007
Lender
NameHERITAGE BANK INC
TypeBank
AddressERLANGER, KY 41018
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term36 Months
DueJul 5, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address10502 FAIRBOURNE DR, COVINGTON, KY 41015-2020
Transaction TypeMortgage
Record UpdatedNov 28, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0005900106
DateJan 23, 2024
Book PageKC 266/483
Instrument24012305900106
Lender
NameFISCHER LEDNING COMPANY LLC
TypeNon-Lending Institution
AddressERLANGER, KY 41018
Agreement
TypeUnknown
AmountAmount on Record

June 2024: Deed, Subdivision Related Transfer

Document TypeDeed
JurisdictionKENTON KY
Recording DateJun 3, 2024
Property Address10502 FAIRBOURNE DR, COVINGTON, KY 41015-2020
Document Number0005900035
Book / PageKC 287 / 183
Map ReferencePL SL 2364
Instrument DateMay 9, 2024
Instrument24060305900035
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 28, 2025
Title CompanyHOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LP

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address10502 FAIRBOURNE DR, COVINGTON, KY 41015-2020

Mortgage

Document Number0005900036
DateJun 3, 2024
Instrument24060305900036
Lender
NameVICTORY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 10502 Fairbourne Dr was $4,648 with a disabled person's exemption.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$448,800 Land $57,600 Building $391,200$448,800 Land $57,600 Building $391,200
2025$4,648.00 Disabled Person's exemption

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

Flood

FEMA maps place 10502 Fairbourne Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 10502 Fairbourne Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 31 locations within half a mile, as of December 31, 2025

ProviderMax 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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