237 S Julia St, Henderson, KY 42420 Property Records

Henderson County property record for 237 S Julia St, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,020 sqft · built 1975
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on File
Tax Bill	$730 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2-15-3-12`

Property Details

APN / Parcel Number

Primary APN	`2-15-3-12`
Alternative APN	`29989`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,020 sqft Finished Area

Exterior

Year Built	Built 1975
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	200 ft deep x 60 ft wide
Garage Type	Attached
Porch	Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	29989
Street Address	237 S JULIA ST
City	HENDERSON
State	KY
Zip	42420-3768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	ALVES ENLARGEMENT
Legal Lot Number	65
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1024
Census Tract	20300

Owner

237 S Julia St is owned and occupied by an individual who acquired it in July 2009.

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

Owner of Record	Individual Name on File
Mailing Address	237 S JULIA ST, HENDERSON, KY 42420-3768
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 4, 2017	Deed of Trust, Mortgage · USDA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIELD & MAIN BANK
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIELD & MAIN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 23, 2009
Transfer Doc	570/522
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	237 S JULIA ST, HENDERSON, KY 42420-3768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1230/001
Date	Jan 4, 2017
Book Page	MT 1230/001
Instrument	2017000110

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	237 S JULIA ST, HENDERSON, KY 42420-3768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1251/189
Date	Oct 31, 2017
Book Page	MT 1251/189
Instrument	2017012320

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2032

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	237 S JULIA ST, HENDERSON, KY 42420-3768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 S JULIA ST, HENDERSON, KY 42420-3768

Mortgage

Document Number	MT1328/728
Date	Sep 23, 2020
Book Page	MT 1328/728
Instrument	2020009998

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 237 S Julia St was $730 with a homeowner's exemption.

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	$730.00 Homeowner's exemption	$115,000	$115,000
2023	$1,285.00 (+0.86%)	$115,000 (-)	$115,000 (-)
2022	$1,274.00	$115,000	$115,000

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

Flood

FEMA maps place 237 S Julia 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 237 S Julia 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 546 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

May also be available: AT&T, Watch TV.

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