3895 Ridgelane Dr, Henderson, KY 42420 Property Records

Henderson County property record for 3895 Ridgelane Dr, Henderson, KY 42420

Property Summary

Property Type	Vacant Land
Lot Size	0.398 acres (17,325 sqft)
Owner	2 Individual Names on Record
Tax Bill	$193 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Dec 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`96C-25`

Property Details

APN / Parcel Number

Primary APN	`96C-25`
Alternative APNs	`42620` `53002`

Exterior

Lot Area	17,325 sqft (0.398 acres)
Lot Dimensions	165 ft deep x 105 ft wide

Location & Zoning

Account Number	53002
Street Address	3895 RIDGELANE DR
City	HENDERSON
State	KY
Zip	42420-9742
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	RESIDENTIA
Legal Description	VACANT LOT
Legal Subdivision	RIDGEWOOD
Legal Lot Number	25
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	3
Census Block	3024
Census Tract	20704

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3889 RIDGELANE DR, HENDERSON, KY 42420-9742
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage ACCEPTANCE CAPITAL MORTGAGE CORP
Dec 14, 2023	Deed of Trust, Mortgage · Line of Credit LIBERTY FCU
Dec 14, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 24, 2023
Transfer Doc	RE672/2896
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	3895 RIDGELANE DR, HENDERSON, KY 42420-9742
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1245/336
Date	Aug 9, 2017
Book Page	MT 1245/336
Instrument	2017008884

Lender

Name	ACCEPTANCE CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	SPOKANE, WA 99208

Agreement

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

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	3895 RIDGELANE DR, HENDERSON, KY 42420-9742
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1433/410
Date	Dec 14, 2023
Book Page	MT1433/410
Instrument	2023011114

Lender

Name	LIBERTY FCU
Type	Credit Union
Address	EVANSVILLE, IN 47715

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 15, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON KY
Recording Date	Dec 14, 2023
Property Address	3895 RIDGELANE DR, HENDERSON, KY 42420-9742
Document Number	RE672/2896
Book / Page	RE672 / 2896
Map Reference	MB 3 PG 69
Instrument Date	Nov 24, 2023
Instrument	2023011113
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3889 RIDGELANE DR, HENDERSON, KY 42420-9742

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3889 RIDGELANE DR, HENDERSON, KY 42420-9742

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of November 25, 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	$193.00 (-0.52%)	$12,500 (-)	$12,500 (-)
2023	$194.00	$12,500	$12,500

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2018–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 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

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	0.01% 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

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