3232 Culpepper Ct, Henderson, KY 42420 Property Records

Henderson County property record for 3232 Culpepper Ct, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,175 sqft · built 2007
Lot Size	0.253 acres (11,037 sqft)
Owner	Individual Name on File
Last Sale	$322,000 (Dec 2023)
Tax Bill	$3,570 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74B-132`

Property Details

APN / Parcel Number

Primary APN	`74B-132`
Alternative APNs	`45766` `52968`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,175 sqft Finished Area
Family Room	Family Room

Exterior

Year Built	Built 2007
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,037 sqft (0.253 acres)
Garage Type	Attached
Garage Area	549 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	52968
Street Address	3232 CULPEPPER CT
City	HENDERSON
State	KY
Zip	42420-8967
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	BRAXTON PARK
Legal Block	2
Legal Lot Number	132
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	3
Census Block	3016
Census Tract	20701

Owner

3232 Culpepper Ct is owned and occupied by an individual who bought it in December 2023.

Source: Henderson County records, as of January 19, 2026

Owner of Record	Individual Name on File
Mailing Address	3232 CULPEPPER CT, HENDERSON, KY 42420-8967
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
Apr 11, 2018	Deed of Trust, Mortgage · Line of Credit EVANSVILLE TEACHERS FCU
Jun 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FEDERAL CREDIT UNION
Nov 4, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Dec 20, 2023	Deed, Transfer FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2023 · Amount on File
Deed Sale	Dec 20, 2023 · Amount on File
Prior Sale	Mar 4, 2008 · Amount on File
Deed Document Number	2023011294
Deed Book / Page	RE672 / 390
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	3232 CULPEPPER CT, HENDERSON, KY 42420-8967
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1260/521
Date	Apr 11, 2018
Book Page	MT 1260/521
Instrument	2018003628

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union
Address	EVANSVILLE, IN 47715

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	276 Months
Due	Apr 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	3232 CULPEPPER CT, HENDERSON, KY 42420-8967
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1288/063
Date	Jun 25, 2019
Book Page	MT 1288/063
Instrument	2019006761

Lender

Name	FEDERAL CREDIT UNION
Type	Credit Union
Address	EVANSVILLE, IN 47715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	10 Months
Due	Apr 1, 2020

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	3232 CULPEPPER CT, HENDERSON, KY 42420-8967
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	AMC SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1374/300
Date	Nov 4, 2021
Book Page	MT 1374/300
Instrument	2021012959

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Dec 20, 2023
Property Address	3232 CULPEPPER CT, HENDERSON, KY 42420-8967
Document Number	0RE672/390
Book / Page	RE672 / 390
Map Reference	MB 8 PG 489
Instrument Date	Dec 15, 2023
Instrument	2023011294
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount on Record
Tax	$322.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3034 LAZY CREEK DR, MEDFORD, OR 97504-8184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3232 CN PEPPER COURT, HENDERSON, KY 42420

Tax Assessment & Valuation

The 2025 property tax bill for 3232 Culpepper Ct was $3,570.

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	$3,570.00	$322,000	$322,000
2023	$2,093.00 (+2.95%) Homeowner's exemption	$233,600 (+4.29%)	$233,600 (+4.29%)
2022	$2,033.00 Homeowner's exemption	$224,000	$224,000

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

Flood

FEMA maps place 3232 Culpepper Ct in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1997.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	8 (1997–2018)
Most Recent Claim	Mar 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Mar 2018 · 2 claims

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.

Wildfire

Wildfire risk around 3232 Culpepper Ct is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% 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 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

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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Conexon Connect Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
Watch TV Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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