Henderson County property record for 431 Cherry St, Henderson, KY 42420
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 3 bd · 1.5 ba · 1,618 sqft · built 1915 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (May 2022) |
| Tax Bill | $1,697 (2025) |
| Deeds & Mortgages | Jul 2026 Construction Loan Sep 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2-3-4-4 |
| Primary APN | 2-3-4-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Units | 18 Units |
| Stories | 1 Story |
| Building Area | 1,618 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Multi-Family |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 200 ft deep x 50 ft wide |
| Terrain | Rolling |
| Driveway | Gravel Driveway |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 44719 |
|---|---|
| Street Address | 431 CHERRY ST |
| City | HENDERSON |
| State | KY |
| Zip | 42420-4021 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | RESIDENTIA |
| Legal Description | MULTIPLE DWELLING |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | HENDERSON |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 20501 |
Source: Henderson County records · APN 2-3-4-4
Assessment roll updated November 25, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4374 SAINT OLAF CIR, HENDERSON, KY 42420-9461 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · Construction Mortgage INDEPENDENCE BANK |
| Sep 10, 2021 | Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY |
| Jul 19, 2018 | Deed, Transfer · Line of Credit FIRST UNITED BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 05, 2022 · Amount on Record |
| Deed Sale | May 05, 2022 · Amount on Record |
| Prior Sale | Jul 19, 2018 · Amount on Record |
| Deed Document Number | 20224429 |
| Deed Book / Page | 659 / 317 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Jul 21, 2026 |
| Property Address | 431 CHERRY ST, HENDERSON, KY 42420-4021 |
| Document Number | 0000007265 |
| Book / Page | 1507 / 862 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 20267265 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4374 SAINT OLAF CIR, HENDERSON, KY 42420-9461 |
| Document Number | 0000007265, |
|---|---|
| Date | Jul 21, 2026 |
| Book Page | 1507/862 |
| Instrument | 20267265 |
| Name | INDEPENDENCE BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Apr 15, 2027 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 431 CHERRY ST, HENDERSON, KY 42420-4021 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2724 WILDERNESS DR, HENDERSON, KY 42420-2258 |
| Document Number | MT1367/921 |
|---|---|
| Date | Sep 10, 2021 |
| Book Page | MT 1367/921 |
| Instrument | 2021010596 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Address | HENDERSON, KY 42420 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 10, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Jul 19, 2018 |
| Property Address | 431 CHERRY ST, HENDERSON, KY 42420-4021 |
| Document Number | RE0632/041 |
| Book / Page | RE 0632 / 041 |
| Map Reference | DD 9 PG 211 |
| Instrument Date | Jul 18, 2018 |
| Instrument | 2018007698 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $88.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 900 3RD ST, 900, HENDERSON, KY 42420-3039 |
| Name | Verified Name |
|---|---|
| Address | 2724 WILDERNESS DR, HENDERSON, KY 42420-2258 |
| Document Number | 2018007699 |
|---|---|
| Date | Jul 19, 2018 |
| Instrument | 2018007699 |
| Name | FIRST UNITED BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 66 Months |
| Due | Jan 18, 2024 |
Source: Henderson County records · Assessment roll updated November 25, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Henderson County |
| Municipality | Henderson City |
| Unified School District | Henderson County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,697.00 (-0.82%) | $153,100 (-) | $153,100 (-) |
| 2023 | $1,711.00 (+75.49%) | $153,100 (+73.98%) | $153,100 (+73.98%) |
| 2022 | $975.00 | $88,000 | $88,000 |
Source: FEMA National Flood Hazard Layer as of May 8, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Henderson Municipal Power & Light Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Benton Ridge Telephone Company.
Based on FCC filings for 297 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HENDERSON WATER UTILITY/NORTH serves 31,705 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures