Henderson County property record for 3209 Winding Trail Dr, Robards, KY 42452
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,960 sqft · built 1990 |
| Lot Size | 2.18 acres (94,961 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $192,000 (Sep 2018) |
| Tax Bill | $2,184 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Aug 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 69-63 |
| Primary APN | 69-63 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,960 sqft Finished Area |
| Family Room | Family Room |
| Year Built | Built 1990 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 94,961 sqft (2.18 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 44348 |
|---|---|
| Street Address | 3209 WINDING TRAIL DR |
| City | ROBARDS |
| State | KY |
| Zip | 42452-9368 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | SINGLE FAMILY |
| Legal Subdivision | ELAINE RUBUSH SD |
| Legal Lot Number | 1 |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | HEBBARDSVILLE-ROBARDS |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 20800 |
Source: Henderson County records, as of November 24, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3209 WINDING TRAIL DR, ROBARDS, KY 42452-9368 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FARMERS BANK & TRUST |
| Aug 5, 2021 | Deed of Trust, Mortgage · Line of Credit FARMERS BANK & TRUST |
| Sep 14, 2018 | Deed, Transfer · Commercial Mortgage FARMERS BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 14, 2018 · Amount on Record |
| Deed Sale | Sep 14, 2018 · Amount on Record |
| Prior Sale | Apr 28, 2010 · Amount on Record |
| Deed Document Number | 2018010199 |
| Deed Book / Page | RE 0633 / 193 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 3209 WINDING TRAIL DR, ROBARDS, KY 42452-9368 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3209 WINDING TRAIL DR, ROBARDS, KY 42452-9368 |
| Document Number | MT1428/738 |
|---|---|
| Date | Sep 29, 2023 |
| Book Page | MT1428/738 |
| Instrument | 2023008987 |
| Name | FARMERS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | MARION, KY 42064 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 11, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 3209 WINDING TRAIL DR, ROBARDS, KY 42452-9368 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3209 WINDING TRAIL DR, ROBARDS, KY 42452-9368 |
| Document Number | MT1364/38 |
|---|---|
| Date | Aug 5, 2021 |
| Book Page | MT 1364/38 |
| Instrument | 2021009088 |
| Name | FARMERS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | MARION, KY 42064 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 10, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Sep 14, 2018 |
| Property Address | 3209 WINDING TRAIL DR, ROBARDS, KY 42452-9368 |
| Document Number | RE0633/193 |
| Book / Page | RE 0633 / 193 |
| Map Reference | DD 372 PG 102 |
| Instrument Date | Sep 7, 2018 |
| Instrument | 2018010199 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $192.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3209 WINDING TRIAL DR, 3209, HENDERSON, KY 42420 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1118 EAKINS ST, ROBARDS, KY 42452-9563 |
| Document Number | 2018010200 |
|---|---|
| Date | Sep 14, 2018 |
| Instrument | 2018010200 |
| Name | FARMERS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 7, 2023 |
Source: Henderson County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Henderson County |
| Unified School District | Henderson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,184.00 (-0.77%) | $192,000 (-) | $192,000 (-) |
| 2023 | $2,201.00 | $192,000 | $192,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (1997–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HENDERSON COUNTY WATER DISTRICT serves 17,447 people · EPA ID KY0510189 |
|---|---|
| Water Source | Purchased surface water from several systems |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Watch TV Fixed Wireless | 100 / 20 |
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