435 3rd St, Henderson, KY 42420 Property Records

Henderson County property record for 435 3rd St, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 975 sqft · built 1933
Lot Size	0.176 acres (7,684 sqft)
Owner	Individual Name on Record
Last Sale	$68,000 (May 2026)
Tax Bill	$1,064 (2025)
Deeds & Mortgages	May 2026 Foreclosure Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-1-1-9`

Property Details

APN / Parcel Number

Primary APN	`3-1-1-9`
Alternative APN	`47487`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	975 sqft Finished Area

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1933
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,684 sqft (0.176 acres)
Lot Dimensions	150 ft deep x 51 ft wide
Garage Type	Detached
Garage Area	822 sqft
Driveway	Concrete Driveway
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	47487
Street Address	435 3RD ST
City	HENDERSON
State	KY
Zip	42420-3029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1014
Census Tract	20200

Owner

Source: Henderson County records, as of June 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	242 BITTERSWEET LN, HENDERSON, KY 42420-4723
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Commissioner's Deed, Foreclosure NONE LISTED ON DOCUMENT
Sep 2, 2020	Deed, Transfer · FHA Mortgage BANK OF ENGLAND
Nov 2, 2018	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Prior Sale	Sep 2, 2020 · Amount on Record
Deed Document Number	20265171
Deed Book / Page	691 / 166
Prior Transfer Date	Oct 12, 2010
Prior Transfer Doc	578/535
Record Updated	Sep 20, 2026

May 2026: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	HENDERSON KY
Recording Date	May 28, 2026
Property Address	435 3RD ST, HENDERSON, KY 42420-3029
Document Number	0RE691/166
Book / Page	691 / 166
Instrument Date	May 19, 2026
Instrument	20265171
Transaction Type	Foreclosure
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$6,868.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Foreclosure Auction Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	242 BITTERSWEET LN, HENDERSON, KY 42420-4723

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Sep 2, 2020
Property Address	435 3RD ST, HENDERSON, KY 42420-3029
Document Number	RE0645/875
Book / Page	RE 0645 / 875
Instrument Date	Aug 31, 2020
Instrument	2020008962
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$96.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12670 HWY 359, 12670, UNIONTOWN, KY 42461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 3RD ST, HENDERSON, KY 42420-3029

Mortgage

Document Number	2020008969
Date	Sep 2, 2020
Instrument	2020008969

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Mortgage

Document Number	MT1325/864
Date	Sep 2, 2020
Book Page	MT 1325/864
Instrument	2020008970

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	435 3RD ST, HENDERSON, KY 42420-3029
Transaction Type	Mortgage
Record Updated	Nov 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1274/366
Date	Nov 2, 2018
Book Page	MT 1274/366
Instrument	2018012108

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Oct 30, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,064.00 (-0.84%)	$96,000 (-)	$96,000 (-)
2023	$1,073.00 (+0.94%)	$96,000 (-)	$96,000 (-)
2022	$1,063.00	$96,000	$96,000

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

Flood

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

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

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