423 4th St, Henderson, KY 42420 Property Records

Henderson County property record for 423 4th St, Henderson, KY 42420

Property Summary

Property Type	Auto Repair, Garage
Details	5,440 sqft · built 1978
Lot Size	0.248 acres (10,816 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Mar 2023)
Tax Bill	$1,663 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-2-5-9`

Property Details

APN / Parcel Number

Primary APN	`3-2-5-9`
Alternative APN	`36188`

Interior

Stories	1 Story
Building Area	5,440 sqft Total Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	10,816 sqft (0.248 acres)
Lot Dimensions	208 ft deep x 52 ft wide
Driveway	Concrete Driveway

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	36188
Street Address	423 4TH ST
City	HENDERSON
State	KY
Zip	42420-3061
Property Category	Commercial
Property Type	Commercial > Retail > Auto Repair, Garage
Legal Description	AUTO REPAIRS
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1005
Census Tract	20200

Owner

423 4th St, a commercial property, is owned by an individual who bought it in March 2023.

Source: Henderson County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	423 4TH ST, CORYDON, KY 42406-9622
Owner Type	Individual
Vesting	Et Al (and Others)

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
Oct 11, 2023	Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY
Dec 10, 2018	Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2023 · Amount on File
Deed Sale	Mar 20, 2023 · Amount on File
Deed Document Number	20232452
Deed Book / Page	665 / 917
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	423 4TH ST, HENDERSON, KY 42420-3061
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14535 STATE ROUTE 136 E, HENDERSON, KY 42420-9518

Mortgage

Document Number	MT1429/481
Date	Oct 11, 2023
Book Page	MT 1429/481
Instrument	2023009303

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	HENDERSON, KY 42420

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 6, 2028

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	423 4TH ST, HENDERSON, KY 42420-3061
Transaction Type	Mortgage
Record Updated	Dec 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1276/669
Date	Dec 10, 2018
Book Page	MT 1276/669
Instrument	2018013440

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	HENDERSON, KY 42420

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 7, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 423 4th St was $1,663.

Source: Henderson County assessment roll, as of November 25, 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	$1,663.00	$150,000	$150,000
2023	$1,677.00 (+0.9%)	$150,000 (-)	$150,000 (-)
2022	$1,662.00	$150,000	$150,000

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

Flood

FEMA maps place 423 4th 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.

Wildfire

The area around 423 4th 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.

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 283 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

May also be available: Watch TV.

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