Kenton County property record for 4528 Decoursey Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,272 sqft · built 1904 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $58,000 (Aug 2018) |
| Tax Bill | $1,022 (2025) |
| Deeds & Mortgages | Aug 2018 Sale & Mortgage May 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-44-01-018.00 |
| Primary APN | 056-44-01-018.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,272 sqft Finished Area |
| Gross Area | 1,362 sqft |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 2,500 sqft (0.057 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4528 DECOURSEY AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1858 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH FAIRVIEW LOT 25 25'X 100' ES DECOURSEY |
| Legal Subdivision | SOUTH FAIRVIEW |
| Legal Lot Number | 25 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 61200 |
4528 Decoursey Ave is owned and occupied by an individual who bought it in August 2018.
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 | Individual Name on File |
|---|---|
| Mailing Address | 4528 DECOURSEY AVE, COVINGTON, KY 41015-1858 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 9, 2018 | Warranty Deed, Transfer · FHA Mortgage SIBCY CLINE MTG SVCS |
| May 16, 2017 | Loan Modification, Mortgage BRANCH BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2018 · Amount on File |
| Deed Sale | Aug 9, 2018 · Amount on File |
| Prior Sale | Oct 17, 2007 · Amount on File |
| Deed Document Number | 201808 09 059 00262 |
| Deed Book / Page | 6474 / 306 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 9, 2018 |
| Property Address | 4528 DECOURSEY AVE, COVINGTON, KY 41015-1858 |
| Document Number | 0000000262 |
| Book / Page | 0C6474 / 000306 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 262 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $58.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4528 DECOURSEY AVE COVINGTON KY 410151858, COVINGTON, KY 41015-1858 |
| Document Number | 278 |
|---|---|
| Date | Aug 9, 2018 |
| Book Page | 0C6474/000340 |
| Instrument | 278 |
| Name | SIBCY CLINE MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45236 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 8, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4528 DECOURSEY AVE, COVINGTON, KY 41015-1858 |
| Document Number | 0000000137 |
| Instrument Date | May 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2018 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4528 DECOURSEY AVE COVINGTON KY 410151858, COVINGTON, KY 41015-1858 |
| Document Number | 0000000137 |
|---|---|
| Date | Aug 3, 2017 |
| Book Page | 0C6217/000141 |
| Instrument | 137 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Aug 2, 2022 |
The 2025 property tax bill for 4528 Decoursey Ave was $1,022.
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 | $115,400 (+49.48%) Land $15,000 Building $100,400 | $115,400 (+49.48%) Land $15,000 Building $100,400 | |
| 2025 | $1,022.00 | $77,200 Land $10,000 Building $67,200 | $77,200 Land $10,000 Building $67,200 |
| 2023 | $1,028.00 | $77,200 Land $10,000 Building $67,200 | $77,200 Land $10,000 Building $67,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4528 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 4528 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 99.1% of the US · lower than 99.2% 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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