20745 State Rte 416 E, Henderson, KY 42420 Property Records

Henderson County property record for 20745 State Rte 416 E, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,024 sqft · built 1950
Lot Size	14 acres (609,840 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Oct 2022)
Tax Bill	$861 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`126-7`

Property Details

APN / Parcel Number

Primary APN	`126-7`
Alternative APNs	`33410` `51194`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,024 sqft Finished Area

Exterior

Year Built	Built 1950
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	609,840 sqft (14 acres)
Porch	Porch
Porch Area	256 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	51194
Street Address	20745 STATE ROUTE 416 E
City	HENDERSON
State	KY
Zip	42420-9429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SINGLE FAMILY
Jurisdiction	HENDERSON KY
Township / Civil Division	HEBBARDSVILLE-ROBARDS
Census Block Group	4
Census Block	4002
Census Tract	20800

Owner

20745 State Rte 416 E is owned and occupied by an individual who bought it in October 2022.

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	20745 STATE ROUTE 416 E, HENDERSON, KY 42420-9429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2022 · Amount on File
Deed Sale	Oct 4, 2022 · Amount on File
Prior Sale	Dec 9, 2011
Deed Document Number	2022010247
Deed Book / Page	RE662 / 587
Record Updated	Jun 8, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Oct 4, 2022
Property Address	20745 STATE ROUTE 416 E, HENDERSON, KY 42420-9429
Document Number	0RE662/587
Book / Page	RE662 / 587
Instrument Date	Sep 30, 2022
Instrument	2022010247
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20788 HWY 414 E, HENDERSON, KY 42420

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	20745 STATE ROUTE 416 E, HENDERSON, KY 42420-9429

Mortgage

Document Number	2022010248
Date	Oct 4, 2022
Instrument	2022010248

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 20745 State Rte 416 E was $861.

Source: Henderson County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Henderson County
Unified School District	Henderson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$861.00	$72,700	$72,700
2023	$867.00	$72,700	$72,700

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

Flood

FEMA maps place 20745 State Rte 416 E in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 20745 State Rte 416 E is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% 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 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

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

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20