Kenton County property record for 4601 Decoursey Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,056 sqft · built 1923 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Jun 2021) |
| Tax Bill | $1,855 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-42-01-081.00 |
| Primary APN | 056-42-01-081.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Finished Area |
| Gross Area | 1,548 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 100 ft deep x 25 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4601 DECOURSEY AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1859 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEMMIEN & HAARMEYER PT LOT 1 |
| Legal Subdivision | DEMMIEN & HAARMEYER |
| Legal Lot Number | 1 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 61300 |
4601 Decoursey Ave is owned and occupied by an individual who bought it in June 2021.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4601 DECOURSEY AVE, COVINGTON, KY 41015-1859 |
| 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 |
|---|---|
| Jun 1, 2021 | Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Jun 22, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Oct 24, 2017 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2021 · Amount on File |
| Deed Sale | Jun 1, 2021 · Amount on File |
| Prior Sale | Oct 24, 2017 · Amount on File |
| Deed Document Number | 20215900176 |
| Deed Book / Page | 94 / 125 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 1, 2021 |
| Property Address | 4601 DECOURSEY AVE, COVINGTON, KY 41015-1859 |
| Document Number | 0005900176 |
| Book / Page | 94 / 125 |
| Instrument Date | May 12, 2021 |
| Instrument | 21060105900176 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2780 CAPPEL CT, HEBRON, KY 41048-9354 |
| Name | Verified Name |
|---|---|
| Address | 4601 DECOURSEY AVE, COVINGTON, KY 41015-1859 |
| Document Number | 0005900177 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 21060105900177 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4601 DECOURSEY AVE, COVINGTON, KY 41015-1859 |
| Document Number | 0000000017 |
| Instrument Date | Jun 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4601 DECOURSEY AVE COVINGTON KY 410151859, COVINGTON, KY 41015-1859 |
| Document Number | 0000000017 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | 000M97/000735 |
| Instrument | 17 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Sep 14, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 24, 2017 |
| Property Address | 4601 DECOURSEY AVE, COVINGTON, KY 41015-1859 |
| Document Number | 0000000127 |
| Book / Page | 0C6278 / 000307 |
| Instrument Date | Oct 20, 2017 |
| Instrument | 127 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2017 |
| Title Company | AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $99.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4601 DECOURSEY AVE COVINGTON KY 410151859, COVINGTON, KY 41015-1859 |
| Document Number | 128 |
|---|---|
| Date | Oct 24, 2017 |
| Book Page | 0C6278/000310 |
| Instrument | 128 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 23, 2047 |
The 2025 property tax bill for 4601 Decoursey Ave was $1,855.
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 | $140,000 (-) Land $15,000 Building $125,000 | $140,000 (-) Land $15,000 Building $125,000 | |
| 2025 | $1,855.00 | $140,000 Land $10,000 Building $130,000 | $140,000 Land $10,000 Building $130,000 |
| 2023 | $1,864.00 | $140,000 Land $10,000 Building $130,000 | $140,000 Land $10,000 Building $130,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4601 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 4601 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 157 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 |
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