Kenton County property record for 4434 Decoursey Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,674 sqft · built 1907 |
| Lot Size | 0.128 acres (5,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Jul 2023) |
| Tax Bill | $2,186 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-43-01-041.00 |
| Primary APN | 056-43-01-041.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,674 sqft Finished Area |
| Gross Area | 2,052 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1907 |
| Exterior Material | Wood Siding |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 5,600 sqft (0.128 acres) |
| Lot Dimensions | 110 ft deep x 48 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4434 DECOURSEY AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FAIRVIEW LOT & BLDG LOT 13 & PT LOT 12 48'X 110' IRREG ES DECOURSEY AVE |
| Legal Subdivision | FAIRVIEW LOT & BLDG |
| Legal Lot Number | 13,12 |
| Legal Unit | L |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 61200 |
4434 Decoursey Ave is owned and occupied by an individual who bought it in July 2023.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4434 DECOURSEY AVE, COVINGTON, KY 41015-1856 |
| 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 |
|---|---|
| Mar 19, 2026 | Deed of Trust, Mortgage · FHA Mortgage ADVANTAGEFIRST LENDING INC |
| Sep 18, 2023 | Deed of Trust, Mortgage CITY OF COVINGTON |
| Jul 27, 2023 | Warranty Deed, Transfer · FHA Mortgage SIBCY CLINE MORTGAGE SERVICES INC |
| May 17, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2023 · Amount on File |
| Deed Sale | Jul 27, 2023 · Amount on File |
| Prior Sale | Dec 19, 2016 · Amount on File |
| Deed Document Number | 202394 |
| Deed Book / Page | 238 / 183 |
| Prior Transfer Date | May 14, 2019 |
| Prior Transfer Doc | 0000000201 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4434 DECOURSEY AVE, COVINGTON, KY 41015-1856 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4434 DECOURSEY AVE, COVINGTON, KY 41015-1856 |
| Document Number | 0000005645 |
|---|---|
| Date | Mar 19, 2026 |
| Book Page | 403/225 |
| Instrument | 26059000005645 |
| Name | ADVANTAGEFIRST LENDING INC |
|---|---|
| Type | Lending Institution |
| Address | LAKE FOREST, CA 92630 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4434 DECOURSEY AVE, COVINGTON, KY 41015-1856 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900020 |
|---|---|
| Date | Sep 18, 2023 |
| Book Page | KCM 492/487 |
| Instrument | 23091805900020 |
| Name | CITY OF COVINGTON |
|---|---|
| Type | Government Agency |
| Address | COVINGTON, KY 41011 |
| Amount | Amount on Record |
|---|---|
| Term | 118 Months |
| Due | Jul 18, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 27, 2023 |
| Property Address | 4434 DECOURSEY AVE, COVINGTON, KY 41015-1856 |
| Document Number | 0005900094 |
| Book / Page | KC 238 / 183 |
| Instrument Date | Jul 21, 2023 |
| Instrument | 23072705900094 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | LAWYERS TTL OF CINCINNATI IN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 454 MERLOT CT, WALTON, KY 41094-5002 |
| Name | Verified Name |
|---|---|
| Address | 4434 DECOURSEY AVE, COVINGTON, KY 41015-1856 |
| Document Number | 0005900095 |
|---|---|
| Date | Jul 27, 2023 |
| Book Page | KCM 479/474 |
| Instrument | 23072705900095 |
| Name | SIBCY CLINE MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45236 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 17, 2019 |
| Property Address | 4434 DECOURSEY AVE, COVINGTON, KY 41015-1856 |
| Document Number | 0000000201 |
| Book / Page | 0C6662 / 000175 |
| Instrument Date | May 14, 2019 |
| Instrument | 201 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1165 TROOPERS XING INDEPENDENCE KY 410518239, INDEPENDENCE, KY 41051-8239 |
The 2025 property tax bill for 4434 Decoursey Ave was $2,186.
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 | $165,000 (-) Land $15,000 Building $150,000 | $165,000 (-) Land $15,000 Building $150,000 | |
| 2025 | $2,186.00 | $165,000 Land $10,000 Building $155,000 | $165,000 Land $10,000 Building $155,000 |
| 2023 | $1,241.00 (+0.81%) | $93,200 (-) Land $10,000 Building $83,200 | $93,200 (-) Land $10,000 Building $83,200 |
| 2022 | $1,231.00 | $93,200 Land $10,000 Building $83,200 | $93,200 Land $10,000 Building $83,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4434 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 4434 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 |
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