400 Trader Ln, Providence, KY 42450 Property Records

Webster County property record for 400 Trader Ln, Providence, KY 42450

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 2003
Owner	Individual Name on Record
Last Sale	$189,000 (Nov 2022)
Tax Bill	$2,169 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-054-031`

Property Details

APN / Parcel Number

Primary APN	`045-054-031`
Alternative APNs	`7874` `7219` `7196`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,400 sqft Finished Area
Family Room	Family Room

Exterior

Year Built	Built 2003
Exterior Material	Stucco
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	156 sqft
Patio Area	128 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	7196
Street Address	400 TRADER LN
City	PROVIDENCE
State	KY
Zip	42450-2174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Jurisdiction	WEBSTER KY
Township / Civil Division	PROVIDENCE
Census Block Group	1
Census Block	1046
Census Tract	960400

Owner

Source: Webster County records, as of November 17, 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	400 TRADER LN, PROVIDENCE, KY 42450-2174
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed, Transfer · FHA Mortgage LUMINATE HOME LOANS INC
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK OF KENTUCKY
Aug 10, 2022	Deed of Trust, Mortgage INDEPENDENCE BANK
Nov 15, 2022	Deed, Transfer · Conventional Mortgage PLANTERS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2022 · Amount on Record
Deed Sale	Nov 15, 2022 · Amount on Record
Deed Document Number	449612
Deed Book / Page	317 / 444
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WEBSTER KY
Recording Date	Jul 17, 2026
Property Address	400 TRADER LN, PROVIDENCE, KY 42450-2174
Document Number	0000472634
Book / Page	330 / 673
Instrument Date	Jul 10, 2026
Instrument	2026472634
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	HOMETOWN TITLE INC, HOMETOWN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,523.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 TRADER LN, PROVIDENCE, KY 42450-2174

Mortgage

Document Number	0000472635,
Date	Jul 17, 2026
Instrument	2026472635

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	400 TRADER LN, PROVIDENCE, KY 42450-2174
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG359/740
Date	Oct 30, 2020
Book Page	MTG 359/740
Instrument	418271

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	400 TRADER LN, PROVIDENCE, KY 42450-2174
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000378/482
Date	Aug 10, 2022
Book Page	378/482
Instrument	447798

Lender

Name	INDEPENDENCE BANK
Type	Bank
Address	OWENSBORO, KY 42302

Agreement

Amount	Amount Recorded
Term	11 Months
Due	Jul 25, 2023

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WEBSTER KY
Recording Date	Nov 15, 2022
Property Address	400 TRADER LN, PROVIDENCE, KY 42450-2174
Document Number	000317/444
Book / Page	317 / 444
Map Reference	MB 168 PG 190
Instrument Date	Nov 10, 2022
Instrument	449612
Transaction Type	Transfer
Record Updated	Apr 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	727 GAINESWAY DR, MADISONVILLE, KY 42431-5119

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	400 TRADER LN, PROVIDENCE, KY 42450-2174

Mortgage

Document Number	0000449613
Date	Nov 15, 2022
Instrument	449613

Lender

Name	PLANTERS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Webster County
Municipality	Providence City
Unified School District	Webster County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,169.00 (+7.8%)	$205,100 (+8.52%)	$205,100 (+8.52%)
2023	$2,012.00	$189,000	$189,000

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 October 7, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 95% of the US · lower than 95% 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	PROVIDENCE WATER WORKS serves 4,538 people · EPA ID KY1170361
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Apr 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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