3828 Decoursey Ave, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3828 Decoursey Ave, Covington, KY 41015

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 720 sqft · built 1908
Lot Size	0.197 acres (8,596 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Sep 2022)
Tax Bill	$2,981 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`056-32-15-016.01`

Property Details

APN / Parcel Number

Primary APN	`056-32-15-016.01`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	720 sqft Finished Area
Gross Area	800 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	8,596 sqft (0.197 acres)
Lot Dimensions	136 ft deep x 108 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3828 DECOURSEY AVE
City	COVINGTON
State	KY
Zip	41015-1539
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	WALJE RESUB LOT 3 PT 4 & 5 108.31'X 136.80' IRREG
Legal Subdivision	WALJE
Legal Lot Number	3,4
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2004
Census Tract	61200

Historic Designation

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.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	307 S MAIN ST, CORBIN, KY 40701-1457
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2022 · Amount on File
Deed Sale	Sep 7, 2022 · Amount on File
Deed Document Number	2022183
Deed Book / Page	188 / 675
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 7, 2022
Property Address	3828 DECOURSEY AVE, COVINGTON, KY 41015-1539
Document Number	0005900183
Book / Page	188 / 675
Instrument Date	Aug 17, 2022
Instrument	22090705900183
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 WALLACE AVE, COVINGTON, KY 41014-1260

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1410 WALNUT ST, CINCINNATI, OH 45202-6303

Mortgage

Document Number	0005900184
Date	Sep 7, 2022
Instrument	22090705900184

Lender

Name	WHITAKER BANK INC
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	119 Months
Due	Aug 17, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$225,000 (-) Land $15,000 Building $210,000	$225,000 (-) Land $15,000 Building $210,000
2025	$2,981.00 (-0.53%)	$225,000 (-) Land $10,000 Building $215,000	$225,000 (-) Land $10,000 Building $215,000
2023	$2,997.00	$225,000 Land $10,000 Building $215,000	$225,000 Land $10,000 Building $215,000

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1979–1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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