117 N Main St, Henderson, KY 42420 Property Records

Henderson County property record for 117 N Main St, Henderson, KY 42420

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	built 1854
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Oct 2017)
Tax Bill	$2,449 (2025)
Deeds & Mortgages	May 2019 Construction Loan Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-6-2-8`

Property Details

APN / Parcel Number

Primary APN	`1-6-2-8`
Alternative APN	`42803`

Interior

Stories	2 Stories
Basement Area	2,280 sqft

Exterior

Year Built	Built 1854
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	200 ft deep x 24 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	42803
Street Address	117 N MAIN ST
City	HENDERSON
State	KY
Zip	42420-3101
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	CBD RESIDENTIAL
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	2
Census Block	2011
Census Tract	20401

Historic Designation

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

Historic District	Within the Henderson Commercial District listed 1989 · 68 contributing resources · NRIS 89001975

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	117 N MAIN ST, HENDERSON, KY 42420-3101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2019	Deed of Trust, Mortgage · Construction Mortgage FIELD & MAIN BANK
Oct 9, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIELD & MAIN BANK
Oct 11, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2017 · Amount on Record
Deed Sale	Oct 11, 2017 · Amount on Record
Deed Document Number	2017011516
Deed Book / Page	RE 0627 / 020
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	117 N MAIN ST, HENDERSON, KY 42420-3101
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1284/930
Date	May 3, 2019
Book Page	MT 1284/930
Instrument	2019004654

Lender

Name	FIELD & MAIN BANK
Type	Bank
Address	HENDERSON, KY 42419

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Apr 29, 2020

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	117 N MAIN ST, HENDERSON, KY 42420-3101
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 N MAIN ST, HENDERSON, KY 42420-3101

Mortgage

Document Number	MT1330/762
Date	Oct 9, 2020
Book Page	MT 1330/762
Instrument	2020010739

Lender

Name	FIELD & MAIN BANK
Type	Bank
Address	HENDERSON, KY 42419

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2030

Interest

Rate Type	Adjustable Rate

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Oct 11, 2017
Property Address	117 N MAIN ST, HENDERSON, KY 42420-3101
Document Number	RE0627/020
Book / Page	RE 0627 / 020
Instrument Date	Oct 7, 2017
Instrument	2017011516
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Amount	Amount Recorded
Tax	$125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 S ELM ST, 119, HENDERSON, KY 42420-3508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14953 US HIGHWAY 41A, CORYDON, KY 42406-9703

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	$2,449.00 (-2.04%) Homeowner's exemption	$270,000 (-)	$270,000 (-)
2023	$2,500.00 (-1.65%) Homeowner's exemption	$270,000 (+116%)	$270,000 (+116%)
2022	$2,542.00	$125,000	$125,000

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	Not rated no burnable land within 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 352 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Henderson Municipal Power & Light Fiber	5,000 / 5,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Watch TV.

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