Henderson County property record for 313 3rd St, Henderson, KY 42420
| Property Type | Office Building |
|---|---|
| Details | 1,891 sqft · built 1905 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $146,000 (Jul 2008) |
| Tax Bill | $1,074 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1-19-2-12 |
| Primary APN | 1-19-2-12 |
|---|---|
| Alternative APN |
|
| Total Rooms | 10 Rooms |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,891 sqft Finished Area |
| Office | 3,185 sqft |
| Family Room | Family Room |
| Year Built | Built 1905 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 95 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 56 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 28721 |
|---|---|
| Street Address | 313 3RD ST |
| City | HENDERSON |
| State | KY |
| Zip | 42420-2905 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | COMMERCIAL |
| Legal Description | CBD OFFICE |
| Legal Lot Number | 3 |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | HENDERSON |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20200 |
Source: Henderson County records · APN 1-19-2-12
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 974, HENDERSON, KY 42419-0974 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIELD & MAIN BANK |
| Apr 08, 2020 | Deed of Trust, Mortgage · Commercial Mortgage FIELD & MAIN BANK |
| Aug 02, 2019 | Deed of Trust, Mortgage · Commercial Mortgage FIELD & MAIN BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 10, 2008 · Amount on Record |
| Deed Sale | Jul 10, 2008 · Amount on Record |
| Deed Document Number | 0000563196 |
| Deed Book / Page | 563 / 196 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 313 3RD ST, HENDERSON, KY 42420-2905 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | MT1379/274 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | MT1379/274 |
| Instrument | 2021014840 |
| Name | FIELD & MAIN BANK |
|---|---|
| Type | Bank |
| Address | HENDERSON, KY 42419 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 313 3RD ST, HENDERSON, KY 42420-2905 |
| Transaction Type | Mortgage |
| Record Updated | May 01, 2020 |
| Name | Verified Name |
|---|
| Document Number | MT1308/927 |
|---|---|
| Date | Apr 08, 2020 |
| Book Page | MT 1308/927 |
| Instrument | 2020003300 |
| Name | FIELD & MAIN BANK |
|---|---|
| Type | Bank |
| Address | HENDERSON, KY 42419 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 244 Months |
| Due | Aug 30, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 313 3RD ST, HENDERSON, KY 42420-2905 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2019 |
| Name | Verified Name |
|---|
| Document Number | MT1290/853 |
|---|---|
| Date | Aug 02, 2019 |
| Book Page | MT 1290/853 |
| Instrument | 2019008425 |
| Name | FIELD & MAIN BANK |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, KY 42419 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Apr 30, 2020 |
Source: Henderson County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Henderson County |
| Municipality | Henderson City |
| Unified School District | Henderson County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,074.00 (-3.59%) Homeowner's exemption | $146,000 (-) | $146,000 (-) |
| 2023 | $1,114.00 (-31.11%) Homeowner's exemption | $146,000 (-) | $146,000 (-) |
| 2022 | $1,617.00 | $146,000 | $146,000 |
Source: FEMA National Flood Hazard Layer as of May 8, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 2 (2005) |
| Most Recent Claim | Nov 2005 · river or lake flooding |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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: Benton Ridge Telephone Company.
Based on FCC filings for 283 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HENDERSON WATER UTILITY/NORTH serves 31,705 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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