Kenton County property record for 4531 Decoursey Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,180 sqft · built 1909 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Apr 2022) |
| Tax Bill | $2,053 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Feb 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-42-02-012.00 |
| Primary APN | 056-42-02-012.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,180 sqft Finished Area |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 120 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4531 DECOURSEY AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1857 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SANDFORD FRANKLIN LOT 10 |
| Legal Subdivision | SANDFORD FRANKLIN |
| Legal Lot Number | 10 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 61300 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4531 DECOURSEY AVE, COVINGTON, KY 41015-1857 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 27, 2022 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 5, 2021 | Warranty Deed, Transfer |
| May 23, 2019 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2022 · Amount on Record |
| Deed Sale | Apr 27, 2022 · Amount on Record |
| Prior Sale | Feb 5, 2021 · Amount on Record |
| Deed Document Number | 202286 |
| Deed Book / Page | 162 / 17 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 27, 2022 |
| Property Address | 4531 DECOURSEY AVE, COVINGTON, KY 41015-1857 |
| Document Number | 0005900086 |
| Book / Page | 162 / 17 |
| Map Reference | MB 111 PG 5&7 |
| Instrument Date | Apr 15, 2022 |
| Instrument | 22042705900086 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1432 RACE ST, CINCINNATI, OH 45202-7086 |
| Name | Verified Name |
|---|---|
| Address | 4531 DECOURSEY AVE, COVINGTON, KY 41015-1857 |
| Document Number | 0005900087 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 22042705900087 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 5, 2021 |
| Property Address | 4531 DECOURSEY AVE, COVINGTON, KY 41015-1857 |
| Document Number | 0005900244 |
| Book / Page | 70 / 492 |
| Map Reference | MB 111 PG 5&7 |
| Instrument Date | Feb 3, 2021 |
| Instrument | 21020505900244 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 217 W 21ST ST, COVINGTON, KY 41014-1111 |
| Name | Verified Name |
|---|---|
| Address | 4531 DECOURSEY AVE, COVINGTON, KY 41015-1857 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 23, 2019 |
| Property Address | 4531 DECOURSEY AVE, COVINGTON, KY 41015-1857 |
| Document Number | 0000000409 |
| Book / Page | 0C6666 / 000168 |
| Instrument Date | May 16, 2019 |
| Instrument | 409 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4531 DECOURSEY AVE COVINGTON, COVINGTON |
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 | $2,053.00 (-0.53%) | $155,000 (-) Land $10,000 Building $145,000 | $155,000 (-) Land $10,000 Building $145,000 |
| 2023 | $2,064.00 | $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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 16 (1978–2025) |
| Claims Outside the SFHA | 5 of 16 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
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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