116 Mill St, Henderson, KY 42420 Property Records

Henderson County property record for 116 Mill St, Henderson, KY 42420

Property Summary

Property Type	Duplex
Details	1,036 sqft · built 1950
Lot Size	0.063 acres (2,750 sqft)
Owner	Company Name on Record
Tax Bill	$160 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-18-1-41`

Property Details

APN / Parcel Number

Primary APN	`2-18-1-41`
Alternative APN	`47579`

Interior

Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,036 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,750 sqft (0.063 acres)
Lot Dimensions	110 ft deep x 25 ft wide
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	180 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	47579
Street Address	116 MILL ST
City	HENDERSON
State	KY
Zip	42420-3734
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RESIDENTIAL
Legal Description	DUPLEX
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1020
Census Tract	20300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Henderson Cotton Mill Workers Housing District listed 1998 · 63 contributing resources · NRIS 98001495

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Henderson County records, as of November 24, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1120 S ADAMS ST, HENDERSON, KY 42420-4064
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS BANK AND TRUST
Jun 14, 2021	Deed of Trust, Mortgage · Line of Credit FARMERS BANK & TRUST
Mar 15, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2021
Deed Sale	Mar 15, 2021
Prior Sale	Jul 17, 2015 · Amount on Record
Deed Document Number	2021002757
Deed Book / Page	RE 0649 / 675
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Recording Date	Jun 15, 2026
Property Address	116 MILL ST, HENDERSON, KY 42420-3734
Document Number	0000005877
Book / Page	1504 / 598
Instrument Date	May 28, 2026
Instrument	20265877
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1120 S ADAMS ST, HENDERSON, KY 42420-4064

Mortgage

Document Number	0000005877,
Date	Jun 15, 2026
Book Page	1504/598
Instrument	20265877

Lender

Name	FARMERS BANK AND TRUST

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 28, 2046

Interest

Rate	6.3%
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	116 MILL ST, HENDERSON, KY 42420-3734
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 5 ADAMS ST, 5, HENDERSON, KY 42420
Investor	Possibly a Property Investor

Mortgage

Document Number	0MT1358/83
Date	Jun 14, 2021
Book Page	MT 1358/83
Instrument	2021006868

Lender

Name	FARMERS BANK & TRUST
Type	Bank
Address	MARION, KY 42064

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Apr 30, 2036

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Mar 15, 2021
Property Address	116 MILL ST, HENDERSON, KY 42420-3734
Document Number	RE0649/675
Book / Page	RE 0649 / 675
Map Reference	MB 126 PG 499
Instrument Date	Mar 15, 2021
Instrument	2021002757
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1120 S ADAMS ST, 1120, HENDERSON, KY 42420-4064

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 S ADAMS ST, HENDERSON, KY 42420-4064

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Henderson County
Municipality	Henderson City
Unified School District	Henderson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$160.00 (-1.23%)	$14,500 (-)	$14,500 (-)
2023	$162.00 (+1.25%)	$14,500 (-)	$14,500 (-)
2022	$160.00	$14,500	$14,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 8, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HENDERSON WATER UTILITY/NORTH serves 31,705 people · EPA ID KY0510188
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 576 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Henderson Municipal Power & Light Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Watch TV.

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