Henderson County property record for 13231 Tom Smith Rd, Henderson, KY 42420
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,799 sqft · built 2007 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,127 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 98-46.4 |
| Primary APN | 98-46.4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,799 sqft Finished Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 435,600 sqft (10 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 676 sqft |
| Driveway | Gravel Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 358 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 16155 |
|---|---|
| Street Address | 13231 TOM SMITH RD |
| City | HENDERSON |
| State | KY |
| Zip | 42420-9251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SINGLE FAMILY - 10 ACRES |
| Legal Subdivision | THOMAS HOWARD |
| Legal Lot Number | 4 |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | HEBBARDSVILLE-ROBARDS |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 20800 |
13231 Tom Smith Rd is owned and occupied by an individual who acquired it in May 2007.
Source: Henderson County records, as of November 25, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13231 TOM SMITH RD, HENDERSON, KY 42420-9251 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 17, 2007 |
| Transfer Doc | 555/424 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 13231 Tom Smith Rd was $2,127.
Source: Henderson County assessment roll, as of November 25, 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 | $2,127.00 | $186,900 | $186,900 |
| 2023 | $2,144.00 | $186,900 | $186,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13231 Tom Smith Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1997.
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 | 5 in force |
| Nearby Flood Claims | 3 (1997–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
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 13231 Tom Smith Rd 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.
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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Watch TV Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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