Kenton County property record for 3813 Decoursey Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,951 sqft · built 1904 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Sep 2020) |
| Tax Bill | $1,403 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-32-10-005.00 |
| Primary APN | 056-32-10-005.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,951 sqft Finished Area |
| Gross Area | 2,439 sqft |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Exterior Material | Wood Siding |
| Foundation Type | Stone |
| Roof Material | Slate |
| Lot Area | 10,019 sqft (0.23 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3813 DECOURSEY AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JONES G W LOT 121 |
| Legal Subdivision | JONES G W |
| Legal Lot Number | 121 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 61300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Ritte's East Historic District listed 2014 · 628 contributing resources · NRIS 14000459 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
3813 Decoursey Ave is owned and occupied by two individuals who bought it in September 2020.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3813 DECOURSEY AVE, COVINGTON, KY 41015-1441 |
| 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 |
|---|---|
| Sep 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK NA |
| Sep 29, 2020 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2020 · Amount on File |
| Deed Sale | Sep 29, 2020 · Amount on File |
| Prior Sale | Aug 10, 2009 · Amount on File |
| Deed Document Number | 20205900210 |
| Deed Book / Page | 46 / 368 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3813 DECOURSEY AVE, COVINGTON, KY 41015-1441 |
| Document Number | 0000000211 |
| Instrument Date | Sep 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2020 |
| Title Company | HOME CLOSINGS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3813 DECOURSEY AVE COVINGTON KY 410151441, COVINGTON, KY 41015-1441 |
| Document Number | 0000000211 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 00M104/000471 |
| Instrument | 211 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 28, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 29, 2020 |
| Property Address | 3813 DECOURSEY AVE, COVINGTON, KY 41015-1441 |
| Document Number | 0000000210 |
| Book / Page | 000046 / 000368 |
| Instrument Date | Sep 10, 2020 |
| Instrument | 210 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2020 |
| Title Company | HOME CLOSINGS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3813 DECOURSEY AVE COVINGTON KY 410151441, COVINGTON, KY 41015-1441 |
| Document Number | 211 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 00M104/000471 |
| Instrument | 211 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 28, 2050 |
The 2025 property tax bill for 3813 Decoursey Ave was $1,403 with a homeowner's exemption.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $155,000 (-) Land $15,000 Building $140,000 | $155,000 (-) Land $15,000 Building $140,000 | |
| 2025 | $1,403.00 Homeowner's exemption | $155,000 Land $10,000 Building $145,000 | $155,000 Land $10,000 Building $145,000 |
| 2023 | $1,446.00 Homeowner's exemption | $155,000 Land $10,000 Building $145,000 | $155,000 Land $10,000 Building $145,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3813 Decoursey Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 3813 Decoursey Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 756 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 |
| AT&T Fixed Wireless | 100 / 20 |
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