Henderson County property record for 1306 Cumnock St, Henderson, KY 42420
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 928 sqft · built 1910 |
| Lot Size | 0.101 acres (4,432 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $665 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-21-4-3 |
| Primary APN | 2-21-4-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 928 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,432 sqft (0.101 acres) |
| Lot Dimensions | 133 ft deep x 33.3 ft wide |
| Heating System | Space Heater |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 53498 |
|---|---|
| Street Address | 1306 CUMNOCK ST |
| City | HENDERSON |
| State | KY |
| Zip | 42420-4242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | SINGLE FAMILY |
| Legal Subdivision | F P GEIBEL ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | HENDERSON |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 20401 |
1306 Cumnock St is owned and occupied by an individual who acquired it in November 2016.
Source: Henderson County records, as of November 24, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1490 STATE ROUTE 2836, PROVIDENCE, KY 42450-9020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2009 |
| Deed Sale | Jun 30, 2009 |
| Prior Sale | Nov 4, 2016 · Amount on File |
| Deed Document Number | 569/1053 |
| Deed Book / Page | 569 / 1053 |
| Last Transfer Date | Nov 15, 2016 |
| Transfer Doc | RE0620/621 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 1306 CUMNOCK ST, HENDERSON, KY 42420-4242 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1490 STATE ROUTE 2836, PROVIDENCE, KY 42450-9020 |
| Document Number | MT1442/483 |
|---|---|
| Date | Apr 23, 2024 |
| Book Page | MT1442/483 |
| Instrument | 2024003464 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Address | 76 S GREEN ST, HENDERSON, KY 42420 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 19, 2029 |
The 2025 property tax bill for 1306 Cumnock St was $665 with a homeowner's exemption.
Source: Henderson County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Henderson County |
| Municipality | Henderson City |
| Unified School District | Henderson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $665.00 Homeowner's exemption | $60,000 | $60,000 |
| 2023 | $391.00 (+1.03%) Homeowner's exemption | $35,000 (-) | $35,000 (-) |
| 2022 | $387.00 Homeowner's exemption | $35,000 | $35,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1306 Cumnock St in Zone X, an area of minimal flood risk.
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.
The area around 1306 Cumnock St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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 665 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 |
| Watch TV Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures