Henderson County property record for 40 Clark St, Henderson, KY 42420
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,526 sqft |
| Lot Size | 0.143 acres (6,221 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $354 (2025) |
| Deeds & Mortgages | Jul 2006 Mortgage Mar 2026 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-17-3-65 |
| Primary APN | 2-17-3-65 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,526 sqft Finished Area |
| Basement Area | 900 sqft |
| Unfinished Basement | 900 sqft |
| Exterior Material | Concrete Block |
|---|---|
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,221 sqft (0.143 acres) |
| Lot Dimensions | 144 ft deep x 43.2 ft wide |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 252 sqft |
| Driveway | Concrete Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 152 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 20204 |
|---|---|
| Street Address | 40 CLARK ST |
| City | HENDERSON |
| State | KY |
| Zip | 42420-3282 |
| 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 | 1 |
| Census Block | 1029 |
| Census Tract | 20200 |
40 Clark St, a single family home, is owned by an individual.
Source: Henderson County records, as of July 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1610 N ELM ST, HENDERSON, KY 42420-2606 |
| 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.
| Date | Document |
|---|---|
| Jul 14, 2006 | Deed of Trust, Mortgage · Conventional Mortgage OLD NATIONLA BANK |
| Mar 6, 2026 | Deed, Construction Loan · Construction Mortgage INDEPENDENCE BANK OF KENTUCKY |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 40 CLARK ST, HENDERSON, KY 42420-3282 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000944/223 |
|---|---|
| Date | Jul 14, 2006 |
| Book Page | 944/223 |
| Name | OLD NATIONLA BANK |
|---|---|
| Address | EVANSVILLE, IN 47701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Mar 6, 2026 |
| Property Address | 40 CLARK ST, HENDERSON, KY 42420-3282 |
| Document Number | 0RE689/508 |
| Book / Page | RE689 / 508 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 2026002175 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 17, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $82.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1610 E ELM ST, HENDERSON, KY 42420 |
| Name | Verified Name |
|---|---|
| Address | 40 CLARK ST, HENDERSON, KY 42420-3282 |
| Document Number | 2026002176 |
|---|---|
| Date | Mar 6, 2026 |
| Instrument | 2026002176 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 47 Months |
| Due | Feb 26, 2030 |
The 2025 property tax bill for 40 Clark St was $354.
Source: Henderson County assessment roll, as of November 25, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Henderson County |
| Municipality | Henderson City |
| Unified School District | Henderson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $354.00 | $32,000 | $32,000 |
| 2023 | $357.00 (+0.85%) | $32,000 (-) | $32,000 (-) |
| 2022 | $354.00 | $32,000 | $32,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 40 Clark St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2005.
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 | 9 in force |
| Nearby Flood Claims | 2 (2005) |
| Most Recent Claim | Nov 2005 · river or lake flooding |
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.
The area around 40 Clark St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 576 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 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Watch TV.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures