224 Watson Ln, Henderson, KY 42420 Property Records

Henderson County property record for 224 Watson Ln, Henderson, KY 42420

Property Summary

Property Type	Apartments (5+ Units)
Details	1 bd · 1 ba · 6,616 sqft · built 1977
Lot Size	0.999 acres (43,497 sqft)
Owner	2 Individual Names on File
Last Sale	$10,500 (Feb 2026)
Tax Bill	$4,491 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55B-155`

Property Details

APN / Parcel Number

Primary APN	`55B-155`
Alternative APNs	`54051` `9016`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	2 Stories
Building Area	6,616 sqft Finished Area
Basement Area	504 sqft
Unfinished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,497 sqft (0.999 acres)
Garage Area	576 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	200 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	54051
Street Address	224 WATSON LN
City	HENDERSON
State	KY
Zip	42420-2062
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	APARTMENTS
Legal Subdivision	SHENANDOAH PLACE
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	2
Census Block	2013
Census Tract	20604

Owner

224 Watson Ln, a residential property, is owned and occupied by two individuals who bought it in February 2026.

Source: Henderson County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	224 WATSON LN, HENDERSON, KY 42420-2062
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · FHA Mortgage CHURCHILL MORTGAGE CORP
Feb 9, 2026	Deed of Trust, Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Aug 15, 2024	Deed, Transfer · Line of Credit FIELD & MAIN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2026 · Amount on File
Deed Sale	Feb 16, 2026 · Amount on File
Prior Sale	Feb 9, 2026 · Amount on File
Deed Document Number	20261446
Deed Book / Page	689 / 34
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	224 WATSON LN, HENDERSON, KY 42420-2062
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 WASHINGTON ST, HENDERSON, KY 42420-3642

Mortgage

Document Number	MT1493/496
Date	Feb 9, 2026
Book Page	MT1493/496
Instrument	2026001220

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	1749 MALLORY LN STE 100, BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	224 WATSON LN, HENDERSON, KY 42420-2062
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 WATSON LN, HENDERSON, KY 42420-2062

Mortgage

Document Number	MT1493/517
Date	Feb 9, 2026
Book Page	MT1493/517
Instrument	2026001221

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	1231 LOUISVILLE RD, FRANKFORT, KY 40601

Agreement

Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2041

August 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Aug 15, 2024
Property Address	224 WATSON LN, HENDERSON, KY 42420-2062
Document Number	0RE677/489
Book / Page	RE677 / 489
Map Reference	MB 258 PG 7
Instrument Date	Aug 13, 2024
Instrument	2024007183
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount on Record
Tax	$1,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 WILLIAM MARY CT, HENDERSON, KY 42420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 LIBERTY SQ PMB 99, BOSTON, MA 02109-5800

Mortgage

Document Number	00MT1451/1
Date	Aug 16, 2024
Book Page	MT1451/1
Instrument	2024007231

Lender

Name	FIELD & MAIN BANK
Type	Bank
Address	PO BOX 5, HENDERSON, KY 42419

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	249 Months
Due	May 13, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 224 Watson Ln was $4,491.

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	$4,491.00	$405,000	$405,000
2023	$3,130.00 (+0.9%)	$280,000 (-)	$280,000 (-)
2022	$3,102.00	$280,000	$280,000

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

Flood

FEMA maps place 224 Watson Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2018.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (2018–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 2 claims

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 224 Watson Ln is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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 293 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Watch TV.

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