232 S Main St, Henderson, KY 42420 Property Records

Henderson County property record for 232 S Main St, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,924 sqft · built 1851
Lot Size	0.328 acres (14,280 sqft)
Owner	2 Individual Names on File
Last Sale	$71,500 (Nov 2009)
Tax Bill	$1,052 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1-21-4-8`

Property Details

APN / Parcel Number

Primary APN	`1-21-4-8`
Alternative APN	`40988`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,924 sqft Finished Area

Exterior

Year Built	Built 1851
Effective Year Built	Effective 1851
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,280 sqft (0.328 acres)
Lot Dimensions	205 ft deep x 69.7 ft wide
Garage Type	Detached
Garage Area	744 sqft
Driveway	Gravel Driveway
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	98 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	40988
Street Address	232 S MAIN ST
City	HENDERSON
State	KY
Zip	42420-3523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	2
Census Block	2019
Census Tract	20401

Historic Designation

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

Historic District	Within the South Main and South Elm Streets Historic District listed 1992 · 130 contributing resources · NRIS 92000500

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

Owner

232 S Main St is owned and occupied by two individuals who bought it in November 2009.

Source: Henderson County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	232 S MAIN ST, HENDERSON, KY 42420-3523
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
Jun 26, 2026	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK
Jul 31, 2019	Deed of Trust, Mortgage · Line of Credit FIELD & MAIN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2009 · Amount on File
Deed Sale	Nov 23, 2009 · Amount on File
Deed Book / Page	572 / 1055
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Recording Date	Jun 26, 2026
Property Address	232 S MAIN ST, HENDERSON, KY 42420-3523
Document Number	0000006364
Book / Page	1505 / 655
Instrument Date	Jun 15, 2026
Instrument	20266364
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 S MAIN ST, HENDERSON, KY 42420-3523

Mortgage

Document Number	0000006364,
Date	Jun 26, 2026
Book Page	1505/655
Instrument	20266364

Lender

Name	INDEPENDENCE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 30, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.71%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	232 S MAIN ST, HENDERSON, KY 42420-3523
Transaction Type	Mortgage
Record Updated	Aug 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1290/649
Date	Jul 31, 2019
Book Page	MT 1290/649
Instrument	2019008263

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 25, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 232 S Main St was $1,052 with a homeowner's exemption.

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	$1,052.00 Homeowner's exemption	$144,000	$144,000
2023	$823.00 (-6.48%) Homeowner's exemption	$120,000 (-)	$120,000 (-)
2022	$880.00 Homeowner's exemption	$120,000	$120,000

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

Flood

FEMA maps place 232 S Main 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 232 S Main 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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