Henderson County property record for 419 Ray St, Henderson, KY 42420
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 841 sqft · built 1935 |
| Lot Size | 0.121 acres (5,310 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (May 2024) |
| Tax Bill | $942 (2025) |
| Deeds & Mortgages | May 2024 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-4-2-8 |
| Primary APN | 3-4-2-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 841 sqft Finished Area |
| Year Built | Built 1935 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,310 sqft (0.121 acres) |
| Lot Dimensions | 118 ft deep x 45 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 30 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 53484 |
|---|---|
| Street Address | 419 RAY ST |
| City | HENDERSON |
| State | KY |
| Zip | 42420-2833 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | SINGLE FAMILY |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | HENDERSON |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 20101 |
419 Ray St is owned and occupied by an individual who bought it in May 2024.
Source: Henderson County records, as of November 24, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 419 RAY ST, HENDERSON, KY 42420-2833 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2024 · Amount on File |
| Deed Sale | May 1, 2024 · Amount on File |
| Deed Document Number | 2024003706 |
| Deed Book / Page | RE675 / 194 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | May 1, 2024 |
| Property Address | 419 RAY ST, HENDERSON, KY 42420-2833 |
| Document Number | 0RE675/194 |
| Book / Page | RE675 / 194 |
| Instrument Date | Apr 29, 2024 |
| Instrument | 2024003706 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2025 |
| Title Company | FOREMAN WATSON LAND TTL LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 343 TARTAN DR, HENDERSON, KY 42420-4789 |
| Name | Verified Name |
|---|---|
| Address | 419 RAY ST, HENDERSON, KY 42420-2833 |
| Document Number | 2024003707 |
|---|---|
| Date | May 1, 2024 |
| Instrument | 2024003707 |
| Name | FIELD & MAIN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.58% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2029 |
| Change Frequency | 5 Years |
| Min Rate At Change | 6.56% |
| Max Rate At Change | 8.56% |
| Index | 5-Year CMT |
| Max Rate | 12.5% |
The 2025 property tax bill for 419 Ray St was $942.
Source: Henderson County assessment roll, as of April 1, 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 | $942.00 | $85,000 | $85,000 |
| 2023 | $693.00 (+1.02%) | $62,000 (+158.33%) | $62,000 (+158.33%) |
| 2022 | $686.00 | $24,000 | $24,000 |
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 419 Ray St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 8, 2024
| 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.
The area around 419 Ray 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 342 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Henderson Municipal Power & Light Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures