2040 Sutton Dr, Henderson, KY 42420 Property Records

Henderson County property record for 2040 Sutton Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,363 sqft · built 1966
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$76,500 (Dec 2017)
Tax Bill	$848 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`56D-152`

Property Details

APN / Parcel Number

Primary APN	`56D-152`
Alternative APN	`43025`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,363 sqft Finished Area

Exterior

Year Built	Built 1966
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	43025
Street Address	2040 SUTTON DR
City	HENDERSON
State	KY
Zip	42420-4577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	COUNTRY VIEW
Legal Block	6
Legal Lot Number	21
Jurisdiction	HENDERSON KY
Township / Civil Division	CORYDON
Census Block Group	3
Census Block	3003
Census Tract	20901

Owner

2040 Sutton Dr is owned and occupied by an individual who bought it in December 2017.

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
Co-owner	Co-owner on File
Mailing Address	2040 SUTTON DR, HENDERSON, KY 42420-4577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2017	Deed of Trust, Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Dec 14, 2017	Deed, Transfer · FHA Mortgage FIRST LIBERTY FINANCIAL GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2017 · Amount on File
Deed Sale	Dec 14, 2017 · Amount on File
Deed Document Number	2017014110
Deed Book / Page	RE 0628 / 532
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	2040 SUTTON DR, HENDERSON, KY 42420-4577
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1254/289
Date	Dec 14, 2017
Book Page	MT 1254/289
Instrument	2017014112

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2028

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Dec 14, 2017
Property Address	2040 SUTTON DR, HENDERSON, KY 42420-4577
Document Number	RE0628/532
Book / Page	RE 0628 / 532
Map Reference	MB 195 PG 722
Instrument Date	Dec 12, 2017
Instrument	2017014110
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	484 GLOVER DR, 484, HENDERSON, KY 42420-3832

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 SUTTON DR, HENDERSON, KY 42420-4577

Mortgage

Document Number	2017014111
Date	Dec 14, 2017
Instrument	2017014111

Lender

Name	FIRST LIBERTY FINANCIAL GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2040 Sutton Dr was $848 with a homeowner's exemption.

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	$848.00 Homeowner's exemption	$76,500	$76,500
2023	$855.00 (+0.94%) Homeowner's exemption	$76,500 (-)	$76,500 (-)
2022	$847.00 Homeowner's exemption	$76,500	$76,500

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

Flood

FEMA maps place 2040 Sutton Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	1 (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

Wildfire risk around 2040 Sutton Dr 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 99.1% of the US · lower than 99.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Watch TV.

Nearby Properties on Sutton Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures