4 Phillips Ct, Henderson, KY 42420 Property Records

Henderson County property record for 4 Phillips Ct, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,029 sqft · built 1953
Lot Size	0.249 acres (10,860 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Dec 2024)
Tax Bill	$1,829 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1-27-1-5`

Property Details

APN / Parcel Number

Primary APN	`1-27-1-5`
Alternative APNs	`49398` `54414`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,029 sqft Finished Area
Basement Area	1,029 sqft

Exterior

Year Built	Built 1953
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,860 sqft (0.249 acres)
Lot Dimensions	181 ft deep x 60 ft wide
Terrain	Rolling
Garage Type	Detached
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	54414
Street Address	4 PHILLIPS CT
City	HENDERSON
State	KY
Zip	42420-4314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	PHILLIPS
Legal Lot Number	4
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1010
Census Tract	20602

Owner

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	4 PHILLIPS CT, HENDERSON, KY 42420-4314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Jul 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIELD & MAIN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2024 · Amount on Record
Deed Sale	Dec 9, 2024 · Amount on Record
Prior Sale	Sep 20, 2021 · Amount on Record
Deed Document Number	2024011074
Deed Book / Page	RE680 / 63
Record Updated	Jun 8, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Sep 20, 2021
Property Address	4 PHILLIPS CT, HENDERSON, KY 42420-4314
Document Number	RE0654/60
Book / Page	RE 0654 / 60
Map Reference	MB 154 PG 532
Instrument Date	Sep 15, 2021
Instrument	2021011027
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 SW MILL ST, 106, PATOKA, IN 47666

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 PHILLIPS CT, HENDERSON, KY 42420-4314

Mortgage

Document Number	2021011029
Date	Sep 20, 2021
Instrument	2021011029

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	4 PHILLIPS CT, HENDERSON, KY 42420-4314
Transaction Type	Mortgage
Record Updated	Jul 30, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1320/415
Date	Jul 16, 2020
Book Page	MT 1320/415
Instrument	2020006876

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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	$1,829.00 (+21.21%)	$165,000 (+22.22%)	$165,000 (+22.22%)
2023	$1,509.00 (+0.94%)	$135,000 (+5%)	$135,000 (+5%)
2022	$1,495.00	$90,000	$90,000

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	162 (1979–2012)
Claims Outside the SFHA	2 of 162
Most Recent Claim	Sep 2012 · rainfall accumulation
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 6 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 99.8% of the US · lower than 99.9% 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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Henderson Municipal Power & Light Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon, Watch TV.

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