Kenton County property record for 4541 Decoursey Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,360 sqft · built 1904 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Last Sale | $104,900 (Sep 2019) |
| Tax Bill | $1,677 (2025) |
| Deeds & Mortgages | Sep 2019 Sale & Mortgage Sep 2018 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-42-02-017.00 |
| Primary APN | 056-42-02-017.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,360 sqft Finished Area |
| Gross Area | 1,556 sqft |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4541 DECOURSEY AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1857 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SANDFORD FRANKLIN LOT 4 & N 5' LOT 3 |
| Legal Subdivision | SANDFORD FRANKLIN |
| Legal Lot Number | 4,3 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 61300 |
4541 Decoursey Ave is owned and occupied by an individual who bought it in September 2019.
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 | 4541 DECOURSEY AVE, COVINGTON, KY 41015-1857 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2019 | Warranty Deed, Transfer · Conventional Mortgage PNC BK |
| Sep 5, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Aug 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage EQUITY TR CO |
| Sep 5, 2018 | Trustee's Deed, Foreclosure NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2019 · Amount on File |
| Deed Sale | Sep 11, 2019 · Amount on File |
| Prior Sale | Sep 5, 2018 · Amount on File |
| Deed Document Number | 201909 11 059 00072 |
| Deed Book / Page | 6750 / 3 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 11, 2019 |
| Property Address | 4541 DECOURSEY AVE, COVINGTON, KY 41015-1857 |
| Document Number | 0000000072 |
| Book / Page | 0C6750 / 000003 |
| Instrument Date | Sep 6, 2019 |
| Instrument | 72 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $104.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4541 DECOURSEY AVE COVINGTON KY 410151857, COVINGTON, KY 41015-1857 |
| Document Number | 74 |
|---|---|
| Date | Sep 11, 2019 |
| Book Page | 0C6750/000006 |
| Instrument | 74 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 10, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 5, 2018 |
| Property Address | 4541 DECOURSEY AVE, COVINGTON, KY 41015-1857 |
| Document Number | 0000000360 |
| Book / Page | 0C6495 / 000070 |
| Instrument Date | Aug 17, 2018 |
| Instrument | 360 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7268 DIXIE HWY FLORENCE KY 41042, FLORENCE, KY 41042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4541 DECOURSEY AVE, COVINGTON, KY 41015-1857 |
| Document Number | 0000000361 |
| Instrument Date | Aug 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4541 DECOURSEY AVE COVINGTON KY 410151857, COVINGTON, KY 41015-1857 |
| Document Number | 0000000361 |
|---|---|
| Date | Sep 5, 2018 |
| Book Page | 0C6495/000072 |
| Instrument | 361 |
| Name | EQUITY TR CO |
|---|---|
| Address | WESTLAKE, OH 44145 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 5, 2018 |
| Property Address | 4541 DECOURSEY AVE, COVINGTON, KY 41015-1857 |
| Document Number | 0000000358 |
| Book / Page | 0C6495 / 000065 |
| Instrument Date | Jun 4, 2018 |
| Instrument | 358 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 15, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $40.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 E SOUTHERN AVE COVINGTON KY 410151447, COVINGTON, KY 41015-1447 |
The 2025 property tax bill for 4541 Decoursey Ave was $1,677.
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 | $146,700 (+15.88%) Land $15,000 Building $131,700 | $146,700 (+15.88%) Land $15,000 Building $131,700 | |
| 2025 | $1,677.00 | $126,600 Land $10,000 Building $116,600 | $126,600 Land $10,000 Building $116,600 |
| 2023 | $1,686.00 | $126,600 Land $10,000 Building $116,600 | $126,600 Land $10,000 Building $116,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4541 Decoursey Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 4541 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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