Henderson County property record for 440 Smith Ave, Henderson, KY 42420
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on File |
| Tax Bill | $665 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Apr 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 4.60E-15 |
| Primary APN | 4.60E-15 |
|---|---|
| Alternative APNs |
|
| Lot Dimensions | 130 ft deep x 70 ft wide |
|---|
| Sewer | Connected |
|---|
| Street Address | 440 SMITH AVE |
|---|---|
| City | HENDERSON |
| State | KY |
| Zip | 42420-4643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | SINGLE FAMILY |
| Legal Subdivision | GEORGE F SMITH |
| Legal Lot Number | 16 |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | HENDERSON |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 20602 |
440 Smith Ave is owned and occupied by an individual who acquired it in April 2022.
Source: Henderson County records, as of December 2, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 440 SMITH AVE, HENDERSON, KY 42420-4643 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Dec 19, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 19, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 19, 2022 |
| Transfer Doc | 0RE658/947 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 440 SMITH AVE, HENDERSON, KY 42420-4643 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 440 SMITH AVE, HENDERSON, KY 42420-4643 |
| Document Number | MT1489/497 |
|---|---|
| Date | Dec 19, 2025 |
| Book Page | MT1489/497 |
| Instrument | 2025012351 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Apr 19, 2022 |
| Property Address | 440 SMITH AVE, HENDERSON, KY 42420-4643 |
| Document Number | 0RE658/947 |
| Book / Page | RE658 / 947 |
| Map Reference | MB 180 PG 147 |
| Instrument Date | Apr 19, 2022 |
| Instrument | 2022003795 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 770 SINCLAIR AVE, HENDERSON, KY 42420-5156 |
| Name | Verified Name |
|---|---|
| Address | 440 SMITH AVE, HENDERSON, KY 42420-4643 |
The 2025 property tax bill for 440 Smith Ave was $665.
Source: Henderson County assessment roll, as of November 25, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Henderson County |
| Municipality | Henderson City |
| Unified School District | Henderson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $665.00 | $60,000 | $60,000 |
| 2023 | $670.00 (+0.9%) | $60,000 (-) | $60,000 (-) |
| 2022 | $664.00 | $60,000 | $60,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 Smith Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 162 (1979–2012) |
| Claims Outside the SFHA | 2 of 162 |
| Most Recent Claim | Sep 2012 · rainfall accumulation |
| Claims by Event |
|
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 risk around 440 Smith Ave 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 98% of the US · lower than 98.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 173 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 |
May also be available: Verizon, Watch TV.
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