Henderson County property record for 10495 State Rte 351 E, Henderson, KY 42420
| Property Type | Single Family Home |
|---|---|
| Details | 1,176 sqft · built 1973 |
| Lot Size | 1.49 acres (65,260 sqft) |
| Owner | Individual Name on File |
| Last Sale | $148,000 (Nov 2018) |
| Tax Bill | $1,696 (2025) |
| Deeds & Mortgages | Jun 2018 Line of Credit Oct 2024 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 97-63 |
| Primary APN | 97-63 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,176 sqft Finished Area |
| Basement Area | 1,176 sqft |
| Unfinished Basement | 1,176 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 65,260 sqft (1.49 acres) |
| Lot Dimensions | 208 ft deep x 312 ft wide |
| Garage Type | Attached |
| Garage Area | 621 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 175 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 54168 |
|---|---|
| Street Address | 10495 STATE ROUTE 351 E |
| City | HENDERSON |
| State | KY |
| Zip | 42420-9411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | SINGLE FAMILY |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | SPOTTSVILLE |
| Census Block Group | 3 |
| Census Block | 3046 |
| Census Tract | 20704 |
10495 State Rte 351 E is owned and occupied by an individual who acquired it in October 2024.
Source: Henderson County records, as of November 25, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10495 STATE ROUTE 351 E, HENDERSON, KY 42420-9411 |
| 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 4, 2018 | Deed of Trust, Mortgage · Line of Credit FIELD & MAIN BANK |
| Oct 16, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Nov 2, 2018 | Deed, Transfer · Conventional Mortgage INDEPENDENCE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 2018 · Amount on File |
| Deed Sale | Nov 2, 2018 · Amount on File |
| Deed Document Number | 201812114 |
| Deed Book / Page | 634 / 174 |
| Last Transfer Date | Oct 16, 2024 |
| Transfer Doc | 0RE678/846 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 10495 STATE ROUTE 351 E, HENDERSON, KY 42420-9411 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | MT1263/851 |
|---|---|
| Date | Jun 4, 2018 |
| Book Page | MT 1263/851 |
| Instrument | 2018005800 |
| Name | FIELD & MAIN BANK |
|---|---|
| Type | Bank |
| Address | HENDERSON, KY 42419 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | May 25, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Oct 16, 2024 |
| Property Address | 10495 STATE ROUTE 351 E, HENDERSON, KY 42420-9411 |
| Document Number | 0RE678/846 |
| Book / Page | RE678 / 846 |
| Instrument Date | Oct 16, 2024 |
| Instrument | 2024009362 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10495 STATE ROUTE 351 E, HENDERSON, KY 42420-9411 |
| Name | Verified Name |
|---|---|
| Address | 10495 STATE ROUTE 351 E, HENDERSON, KY 42420-9411 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Nov 2, 2018 |
| Property Address | 10495 STATE ROUTE 351 E, HENDERSON, KY 42420-9411 |
| Document Number | RE0634/174 |
| Book / Page | RE 0634 / 174 |
| Instrument Date | Oct 18, 2018 |
| Instrument | 2018012114 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $148.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10495 STATE ROUTE 351 E, HENDERSON, KY 42420-9411 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 941 PEBBLE CREEK DR APT C, C, HENDERSON, KY 42420-8708 |
| Investor | Possibly a Property Investor |
| Document Number | 2018012115 |
|---|---|
| Date | Nov 2, 2018 |
| Instrument | 2018012115 |
| Name | INDEPENDENCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
The 2025 property tax bill for 10495 State Rte 351 E was $1,696 with a homeowner's exemption.
Source: Henderson County assessment roll, as of November 25, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Henderson County |
| Unified School District | Henderson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,696.00 Homeowner's exemption | $148,000 | $148,000 |
| 2023 | $1,709.00 Homeowner's exemption | $148,000 | $148,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10495 State Rte 351 E in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2018.
Source: FEMA National Flood Hazard Layer, effective May 8, 2024 · 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2018–2025) |
| 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 10495 State Rte 351 E is low, with 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | HENDERSON COUNTY WATER DISTRICT serves 17,447 people · EPA ID KY0510189 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2025 |
| 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 100 / 20 |
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