124 Clay St, Henderson, KY 42420 Property Records

Henderson County property record for 124 Clay St, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,448 sqft · built 1911
Lot Size	0.144 acres (6,259 sqft)
Owner	2 Individual Names on File
Last Sale	$90,000 (Jun 2026)
Tax Bill	$1,968 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1-4-2-15`

Property Details

APN / Parcel Number

Primary APN	`1-4-2-15`
Alternative APN	`32666`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,448 sqft Finished Area
Basement Area	1,056 sqft
Unfinished Basement	196 sqft

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,259 sqft (0.144 acres)
Lot Dimensions	112 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	273 sqft
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	32666
Street Address	124 CLAY ST
City	HENDERSON
State	KY
Zip	42420-3502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Legal Subdivision	DEAR & THOMAS CONS
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	2
Census Block	2009
Census Tract	20401

Historic Designation

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

Historic District	Within the South Main and South Elm Streets Historic District listed 1992 · 130 contributing resources · NRIS 92000500

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

Owner

124 Clay St is owned by two individuals who bought it in June 2026.

Source: Henderson County records, as of July 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	305 S MAIN ST, HENDERSON, KY 42420-3524
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK
Jun 15, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Jan 8, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2026 · Amount on File
Deed Sale	Jun 15, 2026 · Amount on File
Prior Sale	May 13, 2011 · Amount on File
Deed Document Number	20265899
Deed Book / Page	691 / 708
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Recording Date	Jul 9, 2026
Property Address	124 CLAY ST, HENDERSON, KY 42420-3502
Document Number	0000006839
Book / Page	1506 / 869
Instrument Date	Jun 26, 2026
Instrument	20266839
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 S MAIN ST, HENDERSON, KY 42420-3524

Mortgage

Document Number	0000006839,
Date	Jul 9, 2026
Book Page	1506/869
Instrument	20266839

Lender

Name	INDEPENDENCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 26, 2031

Interest

Rate	6.53%
Max Rate	-1%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jun 15, 2026
Property Address	124 CLAY ST, HENDERSON, KY 42420-3502
Document Number	0000005899
Book / Page	691 / 708
Instrument Date	Jun 11, 2026
Instrument	20265899
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$9,090.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	305 S MAIN ST, HENDERSON, KY 42420-3524

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	124 CLAY ST, HENDERSON, KY 42420-3502
Transaction Type	Mortgage
Record Updated	Sep 13, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1366/894
Date	Sep 1, 2021
Book Page	MT 1366/894
Instrument	2021010243

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	NOVI, MI 48375

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	124 CLAY ST, HENDERSON, KY 42420-3502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 CLAY ST, HENDERSON, KY 42420-3502

Mortgage

Document Number	MT1340/514
Date	Jan 8, 2021
Book Page	MT 1340/514
Instrument	2021000285

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	244 Months
Due	May 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 124 Clay St was $1,968.

Source: Henderson County assessment roll, as of November 25, 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	$1,968.00	$177,500	$177,500
2023	$1,654.00 (+0.92%)	$148,000 (-)	$148,000 (-)
2022	$1,639.00	$148,000	$148,000

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

Flood

FEMA maps place 124 Clay St 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 May 8, 2024

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

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

Wildfire

Wildfire risk around 124 Clay St 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 98% of the US · lower than 98.2% 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 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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