503 Fair St, Henderson, KY 42420 Property Records

Henderson County property record for 503 Fair St, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1978
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$89,000 (Jun 2022)
Tax Bill	$987 (2025)
Deeds & Mortgages	Aug 2014 Line of Credit Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`56C-42`

Property Details

APN / Parcel Number

Primary APN	`56C-42`
Alternative APNs	`49474` `50729`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,040 sqft Finished Area
Basement Area	610 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	1,598 sqft
Parking Spaces	6 Parking Spaces
Porch	Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	50729
Street Address	503 FAIR ST
City	HENDERSON
State	KY
Zip	42420-4051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Jurisdiction	HENDERSON KY
Township / Civil Division	HENDERSON
Census Block Group	1
Census Block	1012
Census Tract	20602

Owner

503 Fair St is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	503 FAIR ST, HENDERSON, KY 42420-4051
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2014	Deed of Trust, Mortgage · Line of Credit OHIO VALLEY FINANCIAL GROUP
Jun 13, 2022	Deed, Transfer · Conventional Mortgage EVANSVILLE TEACHERS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2022 · Amount on File
Deed Sale	Jun 13, 2022 · Amount on File
Deed Document Number	2022005883
Deed Book / Page	RE660 / 121
Record Updated	Jun 8, 2026

August 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	503 FAIR ST, HENDERSON, KY 42420-4051
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1171/327
Date	Aug 19, 2014
Book Page	MT 1171/327
Instrument	2014009093

Lender

Name	OHIO VALLEY FINANCIAL GROUP
Address	HENDERSON, KY 42420

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 25, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jun 13, 2022
Property Address	503 FAIR ST, HENDERSON, KY 42420-4051
Document Number	0RE660/121
Book / Page	RE660 / 121
Instrument Date	May 20, 2022
Instrument	2022005883
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	503 FAIR ST, HENDERSON, KY 42420-4051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 FAIR ST, HENDERSON, KY 42420-4051

Mortgage

Document Number	2022005884
Date	Jun 13, 2022
Instrument	2022005884

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.5%
Index	Other
Margin	3
Max Rate	9.5%

Tax Assessment & Valuation

The 2025 property tax bill for 503 Fair St was $987.

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	$987.00	$89,000	$89,000
2023	$995.00 (+3.32%)	$89,000 (+2.3%)	$89,000 (+2.3%)
2022	$963.00	$87,000	$87,000

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

Flood

FEMA maps place 503 Fair St in Zone X, an area of minimal flood risk, though there have been 162 flood claims nearby since 1979.

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	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

Wildfire risk around 503 Fair 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 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 280 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon, Watch TV.

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