223 3rd St, Henderson, KY 42420 Property Records

Henderson County property record for 223 3rd St, Henderson, KY 42420

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2 ba · 10,885 sqft · built 1924
Lot Size	0.724 acres (31,528 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Dec 2021)
Tax Bill	$4,713 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1-19-1-5`

Property Details

APN / Parcel Number

Primary APN	`1-19-1-5`
Alternative APNs	`49807` `51272`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	10,885 sqft Finished Area
Basement Area	225 sqft
Unfinished Basement	225 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Other
Lot Area	31,528 sqft (0.724 acres)
Garage Type	Detached
Porch	Slab
Porch Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	51272
Street Address	223 3RD ST
City	HENDERSON
State	KY
Zip	42420-2903
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	RETAIL
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	2
Census Block	2000
Census Tract	20401

Owner

Source: Henderson County records, as of November 25, 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	2 Individual Names on Record
Mailing Address	2029 BROOKSTONE DR, HENDERSON, KY 42420-2593
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2021	Deed of Trust, Mortgage JUDY O VECCIA
Oct 27, 2022	Deed, Transfer · Line of Credit FIELD & MAIN BANK
Dec 28, 2021	Deed, Transfer · Line of Credit FIELD & MAIN BANK
Jan 5, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Deed Document Number	202114844
Deed Book / Page	656 / 376
Prior Transfer Date	May 31, 2020
Prior Transfer Doc	RE0648/475
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	223 3RD ST, HENDERSON, KY 42420-2903
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 S GREEN ST, HENDERSON, KY 42420-3904

Mortgage

Document Number	MT1341/100
Date	Jan 14, 2021
Book Page	MT 1341/100
Instrument	2021000503

Lender

Name	JUDY O VECCIA
Type	Private Party
Address	5690 US HIGHWAY 60 E, HENDERSON, KY 42420

Agreement

Amount	Amount Recorded
Term	172 Months
Due	May 1, 2035

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Oct 27, 2022
Property Address	223 3RD ST, HENDERSON, KY 42420-2903
Document Number	0RE663/186
Book / Page	RE663 / 186
Instrument Date	Oct 25, 2022
Instrument	2022011091
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2029 BROOKSTONE DR, HENDERSON, KY 42420-2593

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2029 BROOKSTONE DR, HENDERSON, KY 42420-2593

Mortgage

Document Number	2022011092
Date	Oct 27, 2022
Instrument	2022011092

Lender

Name	FIELD & MAIN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	231 Months
Due	Jan 25, 2042

Interest

Rate Type	Adjustable Rate

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Dec 28, 2021
Property Address	223 3RD ST, HENDERSON, KY 42420-2903
Document Number	0RE656/376
Book / Page	RE656 / 376
Instrument Date	Dec 3, 2021
Instrument	2021014844
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5690 US HIGHWAY 60 E, HENDERSON, KY 42420-9718

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	117 S ELM ST, HENDERSON, KY 42420-3508

Mortgage

Document Number	2021014845
Date	Dec 28, 2021
Instrument	2021014845

Lender

Name	FIELD & MAIN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 3, 2041

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON KY
Recording Date	Jan 5, 2021
Property Address	223 3RD ST, HENDERSON, KY 42420-2903
Document Number	RE0648/475
Book / Page	RE 0648 / 475
Instrument Date	May 31, 2020
Instrument	2021000156
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5690 US HIGHWAY 60 E, HENDERSON, KY 42420-9718

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of November 25, 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	$4,713.00 (-0.8%)	$425,000 (-)	$425,000 (-)
2023	$4,751.00 (+0.89%)	$425,000 (-13.27%)	$425,000 (-13.27%)
2022	$4,709.00	$490,000	$490,000

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

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

Provider	Max Down / Up (Mbps)
Henderson Municipal Power & Light Fiber	5,000 / 5,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

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