18 S Julia St, Henderson, KY 42420 Property Records

Henderson County property record for 18 S Julia St, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 971 sqft · built 1948
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$107,900 (Sep 2025)
Tax Bill	$804 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Oct 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2-17-8-13`

Property Details

APN / Parcel Number

Primary APN	`2-17-8-13`
Alternative APNs	`44870` `51201`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	971 sqft Finished Area

Exterior

Year Built	Built 1948
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	150 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	133 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	51201
Street Address	18 S JULIA ST
City	HENDERSON
State	KY
Zip	42420-3740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	W C GRIMES
Legal Lot Number	3
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1007
Census Tract	20300

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
Mailing Address	18 S JULIA ST, HENDERSON, KY 42420-3740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed, Transfer · FHA Mortgage LUMINATE BANK
Oct 10, 2022	Correction Deed FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE
Oct 10, 2022	Deed, Transfer · FHA Mortgage LIBERTY FCU
Jun 1, 2022	Deed, Transfer · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2025 · Amount on Record
Deed Sale	Sep 16, 2025 · Amount on Record
Prior Sale	Oct 10, 2022 · Amount on Record
Deed Document Number	2025008763
Deed Book / Page	RE685 / 872
Record Updated	Jun 8, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Sep 16, 2025
Property Address	18 S JULIA ST, HENDERSON, KY 42420-3740
Document Number	0RE685/872
Book / Page	RE685 / 872
Instrument Date	Sep 12, 2025
Instrument	2025008763
Transaction Type	Transfer
Record Updated	Nov 25, 2025
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$108.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7445 US HIGHWAY 60 E, HENDERSON, KY 42420-9157

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 S JULIA ST, HENDERSON, KY 42420-3740

Mortgage

Document Number	2025008764
Date	Sep 16, 2025
Instrument	2025008764

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	HENDERSON KY
Recording Date	Oct 10, 2022
Property Address	18 S JULIA ST, HENDERSON, KY 42420-3740
Document Number	0RE662/706
Book / Page	RE662 / 706
Map Reference	MB 132 PG 519
Instrument Date	Sep 30, 2022
Instrument	2022010458
Record Updated	Oct 25, 2022
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 MYRENE DR, 127, HENDERSON, KY 42420-2016

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1661 BRUCE ST, HENDERSON, KY 42420-4335

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Oct 10, 2022
Property Address	18 S JULIA ST, HENDERSON, KY 42420-3740
Document Number	0RE662/710
Book / Page	RE662 / 710
Map Reference	MB 132 PG 519
Instrument Date	Sep 30, 2022
Instrument	2022010459
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11601 BRUCE ST, 11601, HENDERSON, KY 42420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 S JULIA ST, HENDERSON, KY 42420-3740

Mortgage

Document Number	2022010460
Date	Oct 10, 2022
Instrument	2022010460

Lender

Name	LIBERTY FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jun 1, 2022
Property Address	18 S JULIA ST, HENDERSON, KY 42420-3740
Document Number	0RE659/864
Book / Page	RE659 / 864
Map Reference	MB 132 PG 519
Instrument Date	May 24, 2022
Instrument	2022005467
Transaction Type	Transfer
Record Updated	Jun 13, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$30.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 MYRENE DR, 127, HENDERSON, KY 42420-2016

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1661 BRUCE ST, HENDERSON, KY 42420-4335

Mortgage

Document Number	2022005468
Date	Jun 1, 2022
Instrument	2022005468

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	May 24, 2027

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	$804.00 (-0.74%) Homeowner's exemption	$72,500 (-)	$72,500 (-)
2023	$810.00 (+249.14%) Homeowner's exemption	$72,500 (+245.24%)	$72,500 (+245.24%)
2022	$232.00 Homeowner's exemption	$21,000	$21,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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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