Henderson County property record for 10603 State Rte 351 E, Henderson, KY 42420
| Property Type | Single Family Home |
|---|---|
| Details | 2,648 sqft · built 1966 |
| Lot Size | 0.993 acres (43,264 sqft) |
| Owner | Individual Name on File |
| Last Sale | $183,000 (Jan 2023) |
| Tax Bill | $2,084 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Jan 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 97-62 |
| Primary APN | 97-62 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,648 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,264 sqft (0.993 acres) |
| Lot Dimensions | 208 ft deep x 208 ft wide |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air |
|---|---|
| Heating Fuel | Gas |
| Account Number | 51622 |
|---|---|
| Street Address | 10603 STATE ROUTE 351 E |
| City | HENDERSON |
| State | KY |
| Zip | 42420-9411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | SINGLE FAMILY |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | SPOTTSVILLE |
| Census Block Group | 3 |
| Census Block | 3046 |
| Census Tract | 20704 |
10603 State Rte 351 E is owned and occupied by an individual who bought it in January 2023.
Source: Henderson County records, as of November 24, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 10603 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 |
|---|---|
| Jan 17, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Jan 17, 2023 | Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 17, 2023 · Amount on File |
| Deed Sale | Jan 17, 2023 · Amount on File |
| Deed Document Number | 2023000471 |
| Deed Book / Page | RE664 / 666 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 10603 STATE ROUTE 351 E, HENDERSON, KY 42420-9411 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2023 |
| Title Company | FOREMAN WATSON LAND TTL LLC |
| Name | Verified Name |
|---|---|
| Address | 10603 STATE ROUTE 351 E, HENDERSON, KY 42420-9411 |
| Document Number | MT1411/121 |
|---|---|
| Date | Jan 17, 2023 |
| Book Page | MT1411/121 |
| Instrument | 2023000473 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Feb 1, 2033 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Jan 17, 2023 |
| Property Address | 10603 STATE ROUTE 351 E, HENDERSON, KY 42420-9411 |
| Document Number | 0RE664/666 |
| Book / Page | RE664 / 666 |
| Instrument Date | Jan 13, 2023 |
| Instrument | 2023000471 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | FOREMAN WATSON LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $183.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11051 ST RT 764, WHITESVILLE, OH 42478 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 10603 STATE ROUTE 351 E, HENDERSON, KY 42420-9411 |
| Document Number | 2023000472 |
|---|---|
| Date | Jan 17, 2023 |
| Instrument | 2023000472 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Number | MT1411/121 |
|---|---|
| Date | Jan 17, 2023 |
| Book Page | MT1411/121 |
| Instrument | 2023000473 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Feb 1, 2033 |
The 2025 property tax bill for 10603 State Rte 351 E was $2,084.
Source: Henderson County assessment roll, as of April 1, 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 | $2,084.00 | $183,000 | $183,000 |
| 2023 | $2,100.00 | $183,000 | $183,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10603 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 10603 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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