Kenton County property record for 4432 Decoursey Ave, Covington, KY 41015
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3 ba · 3,290 sqft · built 1875 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Company Name on File |
| Last Sale | $216,121 (Oct 2025) |
| Tax Bill | $2,067 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Jan 2026 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-43-01-042.00 |
| Primary APN | 056-43-01-042.00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,290 sqft Finished Area |
| Gross Area | 3,851 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Architectural Style | Triplex |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 120 ft deep x 49 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 4432 DECOURSEY AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1808 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Description | FAIRVIEW LOT & BLDG LOT 14 & PT LOT 15 49' ES DECOURSEY |
| Legal Subdivision | FAIRVIEW LOT & BLDG |
| Legal Lot Number | 14,15 |
| Legal Unit | L |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 61200 |
4432 Decoursey Ave, a triplex, is owned by a company that bought it in October 2025.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4135 ALEXANDER PIKE STE 109, 109, COLD SPRING, KY 41076 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Jan 20, 2026 | Deed of Trust, Mortgage · Commercial Mortgage RAC PROPERTIES INC |
| Jan 20, 2026 | Deed of Trust, Mortgage · Commercial Mortgage RAC PROPERTIES INC |
| Oct 29, 2025 | Warranty Deed, Transfer · Construction Mortgage CENTRAL FLORIDA INCOME FUND LLC |
| Oct 31, 2022 | Deed of Trust, Mortgage · Line of Credit TRADITIONAL BANK INC |
| Mar 2, 2022 | Deed, Transfer · Commercial Mortgage TRADITIONAL BANK INC |
| Dec 6, 2019 | Trustee's Deed, Transfer COREVEST AMERICAN FIN LENDER L |
| Jan 22, 2019 | Deed of Trust, Mortgage · Conventional with PMI AMAZING GRACE HOLDINGS LLC |
| Jan 22, 2019 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Jan 18, 2019 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 2025 · Amount on File |
| Deed Sale | Oct 29, 2025 · Amount on File |
| Prior Sale | Jan 22, 2019 · Amount on File |
| Deed Document Number | 2025118 |
| Deed Book / Page | 371 / 548 |
| Prior Transfer Date | Oct 11, 2019 |
| Prior Transfer Doc | 0000000245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4432 DECOURSEY AVE, COVINGTON, KY 41015-1808 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4135 ALEXANDRIA PIKE 109, 109, COLD SPRING, KY 41076-6801 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001183 |
|---|---|
| Date | Jan 20, 2026 |
| Book Page | KCM 727/58 |
| Instrument | 26059000001183 |
| Name | RAC PROPERTIES INC |
|---|---|
| Type | Non-Lending Institution |
| Address | NEWPORT, KY 41076 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4432 DECOURSEY AVE, COVINGTON, KY 41015-1808 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4135 ALEXANDRIA PIKE 109, 109, COLD SPRING, KY 41076-6801 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001181 |
|---|---|
| Date | Jan 20, 2026 |
| Book Page | KCM 727/1 |
| Instrument | 26059000001181 |
| Name | RAC PROPERTIES INC |
|---|---|
| Type | Non-Lending Institution |
| Address | NEWPORT, KY 41076 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 29, 2025 |
| Property Address | 4432 DECOURSEY AVE, COVINGTON, KY 41015-1808 |
| Document Number | 0005900118 |
| Book / Page | KC 371 / 548 |
| Map Reference | MB 75 |
| Instrument Date | Oct 3, 2025 |
| Instrument | 25102905900118 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4329 CRESCENT SPRINGS CT, LEXINGTON, KY 40515-4787 |
| Name | Verified Name |
|---|---|
| Address | 4135 ALEXANDRIA PIKE STE 109, 109, COLD SPRING, KY 41076-6801 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900056 |
|---|---|
| Date | Nov 18, 2025 |
| Book Page | KCM 707/401 |
| Instrument | 25111805900056 |
| Name | CENTRAL FLORIDA INCOME FUND LLC |
|---|---|
| Address | LAKELAND, FL 33801 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4432 DECOURSEY AVE, COVINGTON, KY 41015-1808 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0005900184 |
|---|---|
| Date | Oct 31, 2022 |
| Book Page | 418/128 |
| Instrument | 22103105900184 |
| Name | TRADITIONAL BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Oct 17, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 2, 2022 |
| Property Address | 4432 DECOURSEY AVE, COVINGTON, KY 41015-1808 |
| Document Number | 0005900062 |
| Book / Page | 150 / 938 |
| Instrument Date | Feb 17, 2022 |
| Instrument | 22030205900062 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $705.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 141, WAUNAKEE, WI 53597-0141 |
| Name | Verified Name |
|---|---|
| Address | 4329 CRESCENT SPRINGS CT, LEXINGTON, KY 40515-4787 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900063 |
|---|---|
| Date | Mar 2, 2022 |
| Book Page | 343/103 |
| Instrument | 22030205900063 |
| Name | TRADITIONAL BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Feb 17, 2032 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 6, 2019 |
| Property Address | 4432 DECOURSEY AVE, COVINGTON, KY 41015-1808 |
| Document Number | 0000000245 |
| Book / Page | 0C6821 / 000047 |
| Instrument Date | Oct 11, 2019 |
| Instrument | 245 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2019 |
| Title Company | WESTCOR LTIC INVESTOR SERVICES, WESTCOR LTIC INVESTOR SVCS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1263 HANOVER TRL WAUNAKEE WI 535972648, WAUNAKEE, WI 53597-2648 |
| Document Number | 246 |
|---|---|
| Date | Dec 6, 2019 |
| Book Page | 0C6821/000055 |
| Instrument | 246 |
| Name | COREVEST AMERICAN FIN LENDER L |
|---|---|
| Address | 1920 MAIN ST # 850, IRVINE, CA 92614-7285 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Dec 5, 2024 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4432 DECOURSEY AVE, COVINGTON, KY 41015-1808 |
| Document Number | 0000000131 |
| Instrument Date | Jan 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4432 DECOURSEY AVE COVINGTON KY 410151808, COVINGTON, KY 41015-1808 |
| Document Number | 0000000131 |
|---|---|
| Date | Jan 25, 2019 |
| Book Page | 0C6589/000101 |
| Instrument | 131 |
| Name | AMAZING GRACE HOLDINGS LLC |
|---|---|
| Address | 6910 DIXIE HWY, FLORENCE, KY 41042-2008 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 24, 2020 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 22, 2019 |
| Property Address | 4432 DECOURSEY AVE, COVINGTON, KY 41015-1808 |
| Document Number | 0000000123 |
| Book / Page | 0C6587 / 000024 |
| Instrument Date | Jan 17, 2019 |
| Instrument | 123 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Tax | $20.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 141 WAUNAKEE WI 535970141, WAUNAKEE, WI 53597-0141 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 18, 2019 |
| Property Address | 4432 DECOURSEY AVE, COVINGTON, KY 41015-1808 |
| Document Number | 0000000073 |
| Book / Page | 0C6586 / 000030 |
| Instrument Date | Jan 16, 2019 |
| Instrument | 73 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Tax | $20.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 11555 BUNKER HILL CT INDEPENDENCE KY 410517618, INDEPENDENCE, KY 41051-7618 |
The 2025 property tax bill for 4432 Decoursey Ave was $2,067, up 0.8% from the year before.
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 | $216,100 (+38.53%) Land $15,000 Building $201,100 | $216,100 (+38.53%) Land $15,000 Building $201,100 | |
| 2025 | $2,067.00 (+0.78%) | $156,000 (-) Land $10,000 Building $146,000 | $156,000 (-) Land $10,000 Building $146,000 |
| 2024 | $2,051.00 (-1.25%) | $156,000 (-) Land $10,000 Building $146,000 | $156,000 (-) Land $10,000 Building $146,000 |
| 2023 | $2,077.00 | $156,000 Land $10,000 Building $146,000 | $156,000 Land $10,000 Building $146,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4432 Decoursey Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 risk around 4432 Decoursey Ave is low, with less than 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 96% of the US · lower than 96% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 657 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures