331 S Main St, Henderson, KY 42420 Property Records

Henderson County property record for 331 S Main St, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,000 sqft · built 1917
Lot Size	0.206 acres (8,974 sqft)
Owner	Individual Name on File
Last Sale	$189,000 (Nov 2019)
Tax Bill	$2,306 (2025)
Deeds & Mortgages	May 2017 Mortgage May 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1-4-2-4`

Property Details

APN / Parcel Number

Primary APN	`1-4-2-4`
Alternative APN	`46072`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,000 sqft Finished Area
Basement Area	1,026 sqft
Unfinished Basement	1,026 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,974 sqft (0.206 acres)
Lot Dimensions	208 ft deep x 43 ft wide
Garage Type	Detached
Driveway	Gravel Driveway
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Porch	Slab
Porch Area	384 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	46072
Street Address	331 S MAIN ST
City	HENDERSON
State	KY
Zip	42420-3524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	2
Census Block	2009
Census Tract	20401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the South Main and South Elm Streets Historic District listed 1992 · 130 contributing resources · NRIS 92000500

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

331 S Main St is owned and occupied by an individual who bought it in November 2019.

Source: Henderson County records, as of November 25, 2025

Owner of Record	Individual Name on File
Mailing Address	331 S MAIN ST, HENDERSON, KY 42420-3524
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
May 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIELD & MAIN BANK
May 6, 2019	Deed of Trust, Mortgage · Line of Credit EVANSVILLE TEACHERS FCU
Nov 6, 2019	Deed, Transfer · FHA Mortgage EVANSVILLE TEACHERS FCU
Mar 9, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2019 · Amount on File
Deed Sale	Nov 6, 2019 · Amount on File
Prior Sale	Mar 9, 2017 · Amount on File
Deed Document Number	201912356
Deed Book / Page	640 / 491
Prior Transfer Date	Mar 7, 2017
Prior Transfer Doc	RE0622/931
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	331 S MAIN ST, HENDERSON, KY 42420-3524
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1238/062
Date	May 1, 2017
Book Page	MT 1238/062
Instrument	2017004881

Lender

Name	FIELD & MAIN BANK
Type	Bank
Address	HENDERSON, KY 42419

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	331 S MAIN ST, HENDERSON, KY 42420-3524
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1284/985
Date	May 6, 2019
Book Page	MT 1284/985
Instrument	2019004680

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union
Address	EVANSVILLE, IN 47716

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Apr 15, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Nov 6, 2019
Property Address	331 S MAIN ST, HENDERSON, KY 42420-3524
Document Number	RE0640/491
Book / Page	RE 0640 / 491
Instrument Date	Nov 1, 2019
Instrument	2019012356
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	202 SE 1ST ST # ST306, 202, EVANSVILLE, IN 47713-1087

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 S MAIN ST, HENDERSON, KY 42420-3524

Mortgage

Document Number	2019012357
Date	Nov 6, 2019
Instrument	2019012357

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Mortgage

Document Number	MT1297/749
Date	Nov 6, 2019
Book Page	MT 1297/749
Instrument	2019012358

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2029

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON KY
Recording Date	Mar 9, 2017
Property Address	331 S MAIN ST, HENDERSON, KY 42420-3524
Document Number	RE0622/931
Book / Page	RE 0622 / 931
Instrument Date	Mar 7, 2017
Instrument	2017002788
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1022 N ELM ST, 1022, HENDERSON, KY 42420-2713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 S MAIN ST, HENDERSON, KY 42420-3524

Tax Assessment & Valuation

The 2025 property tax bill for 331 S Main St was $2,306.

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	$2,306.00	$208,000	$208,000
2023	$2,113.00 (+0.91%)	$189,000 (-)	$189,000 (-)
2022	$2,094.00	$189,000	$189,000

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

Flood

FEMA maps place 331 S Main St 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 331 S Main St 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 98% of the US · lower than 98.2% 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.

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 352 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 · 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: Watch TV.

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