Henderson County property record for 2165 E Elm St, Henderson, KY 42420
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,136 sqft · built 1985 |
| Lot Size | 0.365 acres (15,900 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $65,000 (Mar 2017) |
| Tax Bill | $1,080 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage May 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 87A-13 |
| Primary APN | 87A-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,136 sqft Finished Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,900 sqft (0.365 acres) |
| Lot Dimensions | 159 ft deep x 100 ft wide |
| Driveway | Gravel Driveway |
| Porch | Slab |
| Porch Area | 12 sqft |
| Deck Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 53297 |
|---|---|
| Street Address | 2165 E ELM ST |
| City | HENDERSON |
| State | KY |
| Zip | 42420-9214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | SINGLE FAMILY |
| Legal Subdivision | P G GALLOWAY'S ELM ST SD |
| Legal Lot Number | 1 |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | SPOTTSVILLE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 20704 |
Source: Henderson County records, as of November 25, 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 | 2165 E ELM ST, HENDERSON, KY 42420-9214 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 23, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FIELD & MAIN BANK |
| May 22, 2020 | Deed of Trust, Mortgage · Commercial Mortgage FIELD & MAIN BANK |
| Mar 6, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Nov 28, 2023 | Deed, Transfer |
| Mar 1, 2017 | Deed, Transfer · Conventional Mortgage FIELD & MAIN BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2017 · Amount on Record |
| Deed Sale | Mar 1, 2017 · Amount on Record |
| Deed Document Number | 20172472 |
| Deed Book / Page | 622 / 728 |
| Last Transfer Date | Feb 28, 2024 |
| Transfer Doc | 0RE673/874 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 2165 E ELM ST, HENDERSON, KY 42420-9214 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2165 E ELM ST, HENDERSON, KY 42420-9214 |
| Document Number | MT1413/163 |
|---|---|
| Date | Feb 23, 2023 |
| Book Page | MT1413/163 |
| Instrument | 2023001671 |
| Name | FIELD & MAIN BANK |
|---|---|
| Type | Bank |
| Address | HENDERSON, KY 42420 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 21, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 2165 E ELM ST, HENDERSON, KY 42420-9214 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | MT1313/631 |
|---|---|
| Date | May 22, 2020 |
| Book Page | MT 1313/631 |
| Instrument | 2020004604 |
| Name | FIELD & MAIN BANK |
|---|---|
| Type | Bank |
| Address | HENDERSON, KY 42419 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 13, 2025 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Mar 6, 2024 |
| Property Address | 2165 E ELM ST, HENDERSON, KY 42420-9214 |
| Document Number | 0RE673/874 |
| Book / Page | RE673 / 874 |
| Map Reference | MB 4 PG 149 |
| Instrument Date | Feb 28, 2024 |
| Instrument | 2024001749 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 942 PEBBLE CREEK DR, HENDERSON, KY 42420-8713 |
| Name | Verified Name |
|---|---|
| Address | 2165 E ELM ST, HENDERSON, KY 42420-9214 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Nov 28, 2023 |
| Property Address | 2165 E ELM ST, HENDERSON, KY 42420-9214 |
| Document Number | 0RE671/912 |
| Book / Page | RE671 / 912 |
| Instrument Date | Nov 27, 2023 |
| Instrument | 2023010671 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $15.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6862 STATE ROUTE 416 W, ROBARDS, KY 42452-9730 |
| Name | Verified Name |
|---|---|
| Address | 2165 E ELM ST, HENDERSON, KY 42420-9214 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Mar 1, 2017 |
| Property Address | 2165 E ELM ST, HENDERSON, KY 42420-9214 |
| Document Number | RE0622/728 |
| Book / Page | RE 0622 / 728 |
| Map Reference | MB 4 PG 149 |
| Instrument Date | Feb 27, 2017 |
| Instrument | 2017002472 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $65.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 434 TARN CT, HENDERSON, KY 42420-3402 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2165 E ELM ST, HENDERSON, KY 42420-9214 |
| Document Number | 2017002473 |
|---|---|
| Date | Mar 1, 2017 |
| Instrument | 2017002473 |
| Name | FIELD & MAIN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2032 |
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 | $1,080.00 (+14.53%) | $92,500 (+16.35%) | $92,500 (+16.35%) |
| 2023 | $943.00 | $79,500 | $79,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% 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 40 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 |
| Watch TV Fixed Wireless | 100 / 20 |
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