4115 Michael Dr, Henderson, KY 42420 Property Records

Henderson County property record for 4115 Michael Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,118 sqft · built 1976
Lot Size	0.279 acres (12,150 sqft)
Owner	2 Individual Names on File
Last Sale	$94,758 (Apr 2026)
Tax Bill	$1,419 (2025)
Deeds & Mortgages	Mar 2011 Mortgage Apr 2026 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`75A-50`

Property Details

APN / Parcel Number

Primary APN	`75A-50`
Alternative APNs	`32331` `53516`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,118 sqft Finished Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,150 sqft (0.279 acres)
Lot Dimensions	135 ft deep x 90 ft wide
Terrain	Rolling
Garage Type	Attached
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	53516
Street Address	4115 MICHAEL DR
City	HENDERSON
State	KY
Zip	42420-9709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Legal Subdivision	PLEASANT VIEW
Legal Lot Number	50
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	2
Census Block	2007
Census Tract	20703

Owner

4115 Michael Dr is owned by two individuals who bought it in April 2026.

Source: Henderson County records, as of April 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11510 DOGLEG RD, TIPP CITY, OH 45371-9515
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2011	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC
Apr 1, 2026	Deed, Transfer · Construction Mortgage FARMERS BANK AND TRUST
Apr 30, 2024	Warranty Deed, Transfer · Line of Credit FARMERS BANK & TRUST COMPANY
Mar 4, 2011	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on File
Deed Sale	Apr 1, 2026 · Amount on File
Prior Sale	Apr 30, 2024 · Amount on File
Deed Document Number	20263080
Deed Book / Page	689 / 953
Prior Transfer Date	Jan 18, 2011
Prior Transfer Doc	580/963
Record Updated	Oct 29, 2026

March 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	4115 MICHAEL DR, HENDERSON, KY 42420-9709
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000076/878
Date	Mar 4, 2011
Book Page	076/878

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2041

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Apr 1, 2026
Property Address	4115 MICHAEL DR, HENDERSON, KY 42420-9709
Document Number	0000003080
Book / Page	689 / 953
Instrument Date	Mar 11, 2026
Instrument	20263080
Transaction Type	Transfer
Record Updated	Apr 9, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,570.76
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	11510 DOGLEG RD, TIPP CITY, OH 45371-9515

Mortgage

Document Number	0000003081,
Date	Apr 1, 2026
Instrument	20263081

Lender

Name	FARMERS BANK AND TRUST

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 11, 2046

Interest

Rate	6.01%
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON KY
Recording Date	Apr 30, 2024
Property Address	4115 MICHAEL DR, HENDERSON, KY 42420-9709
Document Number	0RE675/186
Book / Page	RE675 / 186
Map Reference	MB 1 PG 99
Instrument Date	Feb 27, 2024
Instrument	2024003683
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4115 MICHAEL DR, HENDERSON, KY 42420-9709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4111 MICHAEL DR, HENDERSON, KY 42420-9709

Mortgage

Document Number	2024003684
Date	Apr 30, 2024
Instrument	2024003684

Lender

Name	FARMERS BANK & TRUST COMPANY
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	238 Months
Due	Feb 27, 2044

Interest

Rate Type	Adjustable Rate

March 2011: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON KY
Recording Date	Mar 4, 2011
Property Address	4115 MICHAEL DR, HENDERSON, KY 42420-9709
Document Number	000580/963
Book / Page	580 / 963
Map Reference	MB1 PG99
Instrument Date	Jan 18, 2011
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4115 MICHAEL DR, HENDERSON, KY 42420-9709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4115 MICHAEL DR, HENDERSON, KY 42420-9709

Tax Assessment & Valuation

The 2025 property tax bill for 4115 Michael Dr was $1,419.

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	$1,419.00	$123,000	$123,000
2023	$1,167.00	$99,500	$99,500

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

Flood

FEMA maps place 4115 Michael Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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

Wildfire risk around 4115 Michael Dr is low, with a 0.01% annual chance of 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	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 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 99 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

May also be available: Watch TV.

Cell Coverage

5G (outdoors only) and 4G LTE

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