425 Ray St, Henderson, KY 42420 Property Records

Henderson County property record for 425 Ray St, Henderson, KY 42420

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 2,733 sqft · built 2009
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Nov 2024)
Tax Bill	$1,885 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-4-2-6`

Property Details

APN / Parcel Number

Primary APN	`3-4-2-6`
Alternative APN	`43681`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,733 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Triplex
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	105 ft deep x 100 ft wide
Garage Area	580 sqft
Driveway	Concrete Driveway
Porch	Slab
Porch Area	214 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	43681
Street Address	425 RAY ST
City	HENDERSON
State	KY
Zip	42420-2858
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	TRIPLEX
Legal Subdivision	MINOR SUBDIVISION
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1028
Census Tract	20101

Owner

425 Ray St, a triplex, is owned by an individual who bought it in November 2024.

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

Owner of Record	Individual Name on File
Mailing Address	12197 US HIGHWAY 60 W, CORYDON, KY 42406-9705
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK/KY
Sep 20, 2018	Deed of Trust, Mortgage EVANSVILLE TEACHERS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2024 · Amount on File
Deed Sale	Nov 7, 2024 · Amount on File
Prior Sale	Jul 25, 2024 · Amount on File
Deed Document Number	202410052
Deed Book / Page	679 / 282
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Recording Date	Apr 24, 2026
Property Address	425 RAY ST, HENDERSON, KY 42420-2858
Document Number	0000003969
Book / Page	1499 / 866
Instrument Date	Apr 21, 2026
Instrument	20263969
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	7488 TILLMAN BETHEL RD, HENDERSON, KY 42420-9777

Mortgage

Document Number	0000003969,
Date	Apr 24, 2026
Book Page	1499/866
Instrument	20263969

Lender

Name	INDEPENDENCE BANK/KY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 21, 2031

Interest

Rate	6.38%
Max Rate	-1%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	425 RAY ST, HENDERSON, KY 42420-2858
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1271/377
Date	Sep 20, 2018
Book Page	MT 1271/377
Instrument	2018010440

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union
Address	EVANSVILLE, IN 47715

Agreement

Amount	Amount on Record
Term	60 Months
Due	Sep 18, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 425 Ray St was $1,885.

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	$1,885.00	$170,000	$170,000
2023	$1,900.00 (+0.9%)	$170,000 (-)	$170,000 (-)
2022	$1,883.00	$170,000	$170,000

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

Flood

FEMA maps place 425 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.

Wildfire

Wildfire risk around 425 Ray St is low, with less than 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 99.1% of the US · lower than 99.2% of Kentucky
Wildfire Likelihood	Under 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 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 225 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

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