433 Ray St, Henderson, KY 42420 Property Records

Henderson County property record for 433 Ray St, Henderson, KY 42420

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,200 sqft · built 1935
Lot Size	0.106 acres (4,620 sqft)
Owner	Company Name on File
Last Sale	$325,000 (Apr 2025)
Tax Bill	$277 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2025 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3-4-2-4`

Property Details

APN / Parcel Number

Primary APN	`3-4-2-4`
Alternative APNs	`42805` `54883`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Finished Area

Exterior

Year Built	Built 1935
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,620 sqft (0.106 acres)
Lot Dimensions	105 ft deep x 44 ft wide
Garage Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Radiant
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	54883
Street Address	433 RAY ST
City	HENDERSON
State	KY
Zip	42420-2833
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RESIDENTIAL
Legal Description	DUPLEX
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1028
Census Tract	20101

Owner

433 Ray St, a duplex, is owned by a company that bought it in April 2025.

Source: Henderson County records, as of November 24, 2025

Owner of Record	Company Name on File
Mailing Address	1333 OVERLAND PARK DR, BRASELTON, GA 30517-1408
Owner Type	Company

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
Nov 6, 2025	Deed of Trust, Mortgage · Line of Credit FIELD & MAIN BANK
Apr 4, 2025	Deed, Transfer · Line of Credit FIELD & MALN BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2025 · Amount on File
Deed Sale	Apr 4, 2025 · Amount on File
Prior Sale	Dec 1, 2010 · Amount on File
Deed Document Number	2025003140
Deed Book / Page	RE682 / 300
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	433 RAY ST, HENDERSON, KY 42420-2833
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1133 OVERLAND PARK DR, BRASELTON, GA 30517-1447
Investor	Possibly a Property Investor

Mortgage

Document Number	MT1485/361
Date	Nov 6, 2025
Book Page	MT1485/361
Instrument	2025010766

Lender

Name	FIELD & MAIN BANK
Type	Bank
Address	140 N MAIN ST, HENDERSON, KY 42420

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 10, 2045

Interest

Rate Type	Adjustable Rate

April 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Apr 4, 2025
Property Address	433 RAY ST, HENDERSON, KY 42420-2833
Document Number	0RE682/300
Book / Page	RE682 / 300
Instrument Date	Apr 2, 2025
Instrument	2025003140
Transaction Type	Transfer
Record Updated	Apr 16, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1799 S DECKER RD, BOONVILLE, IN 47601-9067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1333 OVERLAND PARK DR, BRASELTON, GA 30517-1408
Investor	Possibly a Property Investor

Mortgage

Document Number	0MT1467/72
Date	Apr 4, 2025
Book Page	MT1467/72
Instrument	2025003141

Lender

Name	FIELD & MALN BANK INC
Address	140 N MAIN ST, HENDERSON, KY 42420

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 2, 2045

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 433 Ray St was $277.

Source: Henderson County assessment roll, as of April 1, 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	$277.00	$25,000	$25,000
2023	$279.00 (+0.72%)	$25,000 (-)	$25,000 (-)
2022	$277.00	$25,000	$25,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 433 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 433 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

May also be available: Watch TV.

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