228 2nd St, Henderson, KY 42420 Property Records

Henderson County property record for 228 2nd St, Henderson, KY 42420

Property Summary

Property Type	Restaurant
Details	2,200 sqft · built 1895
Lot Size	0.073 acres (3,212 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Mar 2018)
Tax Bill	$1,441 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-20-1-36`

Property Details

APN / Parcel Number

Primary APN	`1-20-1-36`
Alternative APN	`43415`

Interior

Stories	1 Story
Building Area	2,200 sqft Total Area
Office	2,200 sqft

Exterior

Year Built	Built 1895
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Other
Lot Area	3,212 sqft (0.073 acres)
Lot Dimensions	146 ft deep x 22 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	43415
Street Address	228 2ND ST
City	HENDERSON
State	KY
Zip	42420-3138
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	RESTAURANT
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	2
Census Block	2012
Census Tract	20401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Henderson Commercial District listed 1989 · 68 contributing resources · NRIS 89001975

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

228 2nd St, a commercial property, is owned and occupied by an individual who bought it in March 2018.

Source: Henderson County records, as of November 24, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	228 2ND ST, HENDERSON, KY 42420-3138
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 20, 2023	Deed of Trust, Mortgage · Line of Credit FIELD & MAIN BANK
Mar 7, 2018	Deed, Transfer · Commercial Mortgage FIELD & MAIN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2018 · Amount on File
Deed Sale	Mar 7, 2018 · Amount on File
Prior Sale	Mar 2, 2012
Deed Document Number	2018002284
Deed Book / Page	RE 0629 / 735
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	228 2ND ST, HENDERSON, KY 42420-3138
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5735 STATE ROUTE 416 W, ROBARDS, KY 42452-9725

Mortgage

Document Number	MT1411/389
Date	Jan 20, 2023
Book Page	MT1411/389
Instrument	2023000631

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	3 Months
Due	Apr 12, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Mar 7, 2018
Property Address	228 2ND ST, HENDERSON, KY 42420-3138
Document Number	RE0629/735
Book / Page	RE 0629 / 735
Instrument Date	Mar 1, 2018
Instrument	2018002284
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7995 OAK HURST, HENDERSON, KY 42420-8755

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	228 2ND ST, HENDERSON, KY 42420-3138

Mortgage

Document Number	2018002285
Date	Mar 7, 2018
Instrument	2018002285

Lender

Name	FIELD & MAIN BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 228 2nd St was $1,441.

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	$1,441.00	$130,000	$130,000
2023	$1,453.00 (+0.9%)	$130,000 (-)	$130,000 (-)
2022	$1,440.00	$130,000	$130,000

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

Flood

FEMA maps place 228 2nd St in Zone X, an area of minimal flood risk.

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

The area around 228 2nd St has no burnable land within ember reach, so its wildfire risk is not rated.

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 352 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

May also be available: Watch TV.

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