Henderson County property record for 446 Ray St, Henderson, KY 42420
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,260 sqft · built 1950 |
| Lot Size | 0.482 acres (21,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $31,500 (Nov 2016) |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-3-1-30 |
| Primary APN | 3-3-1-30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,260 sqft Finished Area |
| Year Built | Built 1950 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 21,000 sqft (0.482 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 41173 |
|---|---|
| Street Address | 446 RAY ST |
| City | HENDERSON |
| State | KY |
| Zip | 42420-2834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | SINGLE FAMILY |
| Legal Subdivision | JAMES OGRADY |
| Legal Lot Number | 2 |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | HENDERSON |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 20101 |
446 Ray St is owned and occupied by an individual who bought it in November 2016.
Source: Henderson County records, as of November 24, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 446 RAY ST, HENDERSON, KY 42420-2834 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 2016 · Amount on File |
| Deed Sale | Nov 2, 2016 · Amount on File |
| Prior Sale | Oct 17, 2016 · Amount on File |
| Deed Document Number | 2016012584 |
| Deed Book / Page | RE 0620 / 410 |
| Record Updated | Jun 8, 2026 |
Source: Henderson County assessment roll, as of April 1, 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 | Homeowner's exemption | $40,000 | $40,000 |
| 2023 | Homeowner's exemption | $40,000 | $40,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 446 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 risk around 446 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.
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 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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