2685 Stonegate Dr, Henderson, KY 42420 Property Records

Henderson County property record for 2685 Stonegate Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 6,002 sqft · built 1986
Lot Size	1.3 acres (56,715 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,205 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`64C-23`

Property Details

APN / Parcel Number

Primary APN	`64C-23`
Alternative APN	`40228`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	6,002 sqft Finished Area
Basement Area	6,002 sqft

Exterior

Year Built	Built 1986
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	56,715 sqft (1.3 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	40228
Street Address	2685 STONEGATE DR
City	HENDERSON
State	KY
Zip	42420-2195
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	STONEGATE
Legal Lot Number	9
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1000
Census Tract	20604

Owner

2685 Stonegate Dr is owned and occupied by two individuals who acquired it in January 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	2685 STONEGATE DR, HENDERSON, KY 42420-2195
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 23, 2022	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
May 26, 2022	Deed of Trust, Mortgage INDEPENDENCE BANK OF KENTUCKY
Oct 2, 2019	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
May 16, 2018	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 1, 2004
Deed Sale	Jan 1, 2004
Deed Document Number	0000530338
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	2685 STONEGATE DR, HENDERSON, KY 42420-2195
Transaction Type	Mortgage
Record Updated	Jul 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2685 STONEGATE DR, HENDERSON, KY 42420-2195

Mortgage

Document Number	MT1395/817
Date	Jun 23, 2022
Book Page	MT1395/817
Instrument	2022006435

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	HENDERSON, KY 42420

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Jun 30, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	2685 STONEGATE DR, HENDERSON, KY 42420-2195
Transaction Type	Mortgage
Record Updated	Jun 10, 2022
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1392/756
Date	May 26, 2022
Book Page	MT1392/756
Instrument	2022005281

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2032

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	2685 STONEGATE DR, HENDERSON, KY 42420-2195
Transaction Type	Mortgage
Record Updated	Oct 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1294/906
Date	Oct 2, 2019
Book Page	MT 1294/906
Instrument	2019010907

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42302

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 30, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	2685 STONEGATE DR, HENDERSON, KY 42420-2195
Transaction Type	Mortgage
Record Updated	May 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1262/650
Date	May 16, 2018
Book Page	MT 1262/650
Instrument	2018005067

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42302

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 30, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2685 Stonegate Dr was $3,205.

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	$3,205.00	$289,000	$289,000
2023	$3,231.00 (+8.02%)	$289,000 (+7.04%)	$289,000 (+7.04%)
2022	$2,991.00	$270,000	$270,000

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

Flood

FEMA maps place 2685 Stonegate 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 2685 Stonegate 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	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 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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