2455 Summit Dr, Henderson, KY 42420 Property Records

Henderson County property record for 2455 Summit Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,396 sqft · built 2000
Lot Size	0.489 acres (21,302 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Jun 2026)
Tax Bill	$2,029 (2025)
Deeds & Mortgages	Sep 2010 Mortgage Jun 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`65K-253`

Property Details

APN / Parcel Number

Primary APN	`65K-253`
Alternative APN	`28723`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,396 sqft Finished Area
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,302 sqft (0.489 acres)
Garage Type	Basement
Garage Area	700 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	28723
Street Address	2455 SUMMIT DR
City	HENDERSON
State	KY
Zip	42420-5182
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Legal Subdivision	SUMMIT PLACE
Legal Lot Number	205
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1000
Census Tract	20604

Owner

2455 Summit Dr is owned by an individual who bought it in June 2026.

Source: Henderson County records, as of June 22, 2026

Owner of Record	Individual Name on File
Mailing Address	7310 PETERS RD, REED, KY 42451-9749
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Sep 23, 2010	Deed of Trust, Mortgage · FHA Mortgage BANK OF AMERICA NA
Jun 11, 2026	Deed, Transfer · Conventional Mortgage AM HERITAGE FEDERAL CREDIT UNION
Oct 21, 2025	Deed, Transfer · Line of Credit FIELD & MAIN BANK
Jul 9, 2008	Warranty Deed, Transfer · FHA Mortgage UNIVERSAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on File
Deed Sale	Jun 11, 2026 · Amount on File
Prior Sale	Oct 21, 2025 · Amount on File
Deed Document Number	20265774
Deed Book / Page	691 / 623
Record Updated	Sep 20, 2026

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	2455 SUMMIT DR, HENDERSON, KY 42420-5182
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001063/251
Date	Sep 23, 2010
Book Page	1063/251

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2040

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jun 11, 2026
Property Address	2455 SUMMIT DR, HENDERSON, KY 42420-5182
Document Number	0RE691/623
Book / Page	691 / 623
Instrument Date	Jun 5, 2026
Instrument	20265774
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	TRUE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,320.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7310 PETERS RD, REED, KY 42451-9749
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005775,
Date	Jun 11, 2026
Instrument	20265775

Lender

Name	AM HERITAGE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Oct 21, 2025
Property Address	2455 SUMMIT DR, HENDERSON, KY 42420-5182
Document Number	0RE686/575
Book / Page	RE686 / 575
Map Reference	MB 7 PG 31
Instrument Date	Oct 21, 2025
Instrument	2025010064
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Amount	Amount on Record
Tax	$157.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2100 BRANCH OAK TRL, NASHVILLE, TN 37214-4758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8075 SAWYER BROWN RD APT 816, 816, NASHVILLE, TN 37221-1529

Mortgage

Document Number	2025010065
Date	Oct 21, 2025
Instrument	2025010065

Lender

Name	FIELD & MAIN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 21, 2026

July 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON KY
Recording Date	Jul 9, 2008
Property Address	2455 SUMMIT DR, HENDERSON, KY 42420-5182
Document Number	563/173
Book / Page	563 / 173
Map Reference	MB7 PG31
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	FOREMAN WATSON LAND TITLE LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2455 SUMMIT DR, 2455, HENDERSON, KY 42420-5182

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2455 SUMMIT DR, HENDERSON, KY 42420-5182

Mortgage

Document Number	001004/951
Date	Jul 9, 2008
Book Page	1004/951

Lender

Name	UNIVERSAL MORTGAGE CORP
Type	Mortgage Company
Address	MEQUON, WI 53092

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 2455 Summit Dr was $2,029, up 0.3% from the year before.

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	$2,029.00 (+0.3%)	$183,000 (-)	$183,000 (-)
2024	$2,023.00 (-1.08%)	$183,000 (-)	$183,000 (-)
2023	$2,045.00 (+21.08%)	$183,000 (+2%)	$183,000 (+2%)
2022	$1,689.00	$152,500	$152,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2455 Summit Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 8, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2455 Summit Dr is low, with less than 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 94% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 256 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	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Watch TV.

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