3581 Smith Staples Rd, Henderson, KY 42420 Property Records

Henderson County property record for 3581 Smith Staples Rd, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Owner	Individual Name on Record
Tax Bill	$3,038 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Dec 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`68-13.3`

Property Details

APN / Parcel Number

Primary APN	`68-13.3`
Alternative APN	`41000`

Location & Zoning

Account Number	41000
Street Address	3581 SMITH STAPLES RD
City	HENDERSON
State	KY
Zip	42420-9388
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SINGLE FAMILY
Jurisdiction	HENDERSON KY
Township / Civil Division	HEBBARDSVILLE-ROBARDS
Census Block Group	2
Census Block	2007
Census Tract	20800

Owner

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

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	3581 SMITH STAPLES RD, HENDERSON, KY 42420-9388
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK
Dec 19, 2017	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK
Nov 27, 2017	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2016
Deed Sale	May 25, 2016
Prior Sale	Jul 7, 2011
Deed Document Number	2016005781
Deed Book / Page	RE 0617 / 411
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	3581 SMITH STAPLES RD, HENDERSON, KY 42420-9388
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1252/813
Date	Nov 27, 2017
Book Page	MT 1252/813
Instrument	2017013276

Lender

Name	INDEPENDENCE BANK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	3581 SMITH STAPLES RD, HENDERSON, KY 42420-9388
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1254/577
Date	Dec 19, 2017
Book Page	MT 1254/577
Instrument	2017014305

Lender

Name	INDEPENDENCE BANK
Type	Bank
Address	OWENSBORO, KY 42302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 30, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	3581 SMITH STAPLES RD, HENDERSON, KY 42420-9388
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1252/829
Date	Nov 27, 2017
Book Page	MT 1252/829
Instrument	2017013277

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Nov 30, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Henderson County
Unified School District	Henderson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,038.00 (-0.78%)	$269,000 (-)	$269,000 (-)
2023	$3,062.00	$269,000	$269,000

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

Flood

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
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	8 (1996–2020)
Most Recent Claim	Jun 2020 · rainfall accumulation

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

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

Wildfire Risk	Not rated no burnable land within 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 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 10 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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