446 Smith Ave, Henderson, KY 42420 Property Records

Henderson County property record for 446 Smith Ave, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Lot Size	0.198 acres (8,640 sqft)
Owner	Individual Name on Record
Last Sale	$63,900 (Sep 2005)
Tax Bill	$1,025 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4.60E-16`

Property Details

APN / Parcel Number

Primary APN	`4.60E-16`
Alternative APNs	`46E-17` `24704`

Exterior

Lot Area	8,640 sqft (0.198 acres)
Lot Dimensions	120 ft deep x 72 ft wide
Terrain	Rolling

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	446 SMITH AVE
City	HENDERSON
State	KY
Zip	42420-4643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	GEORGE F. SMITH SD
Legal Lot Number	17
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1013
Census Tract	20602

Owner

Source: Henderson County records, as of January 19, 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
Co-owner	Co-owner on Record
Mailing Address	446 SMITH AVE, HENDERSON, KY 42420-4643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2018	Deed of Trust, Mortgage · Line of Credit FARMERS BANK & TRUST
May 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 8, 2024	Deed of Trust, Mortgage · Line of Credit FARMERS BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2005 · Amount on Record
Deed Sale	Sep 21, 2005 · Amount on Record
Deed Document Number	0000543321
Deed Book / Page	543 / 321
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	446 SMITH AVE, HENDERSON, KY 42420-4643
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1264/007
Date	Jun 6, 2018
Book Page	MT 1264/007
Instrument	2018005890

Lender

Name	FARMERS BANK & TRUST
Type	Bank
Address	MARION, KY 42064

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 10, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	446 SMITH AVE, HENDERSON, KY 42420-4643
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1392/660
Date	May 26, 2022
Book Page	MT1392/660
Instrument	2022005263

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	446 SMITH AVE, HENDERSON, KY 42420-4643
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 SMITH AVE, HENDERSON, KY 42420-4643

Mortgage

Document Number	MT1438/676
Date	Mar 8, 2024
Book Page	MT1438/676
Instrument	2024001813

Lender

Name	FARMERS BANK & TRUST COMPANY
Type	Private Party
Address	201 S MAIN ST, MARION, KY 42064

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Jan 10, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,025.00 (+18.5%)	$92,500 (+19.51%)	$92,500 (+19.51%)
2023	$865.00 (+0.93%)	$77,400 (-)	$77,400 (-)
2022	$857.00	$77,400	$77,400

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
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	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 6 claims

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	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.

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 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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