641 Constanza Dr, Henderson, KY 42420 Property Records

Henderson County property record for 641 Constanza Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,630 sqft · built 2000
Lot Size	0.325 acres (14,139 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Jun 2025)
Tax Bill	$2,129 (2025)
Deeds & Mortgages	Feb 2019 Line of Credit Oct 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`64I-142`

Property Details

APN / Parcel Number

Primary APN	`64I-142`
Alternative APN	`11386`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,630 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,139 sqft (0.325 acres)
Garage Type	Attached
Garage Area	575 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11386
Street Address	641 CONSTANZA DR
City	HENDERSON
State	KY
Zip	42420-5343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Legal Subdivision	WOLF HILLS
Legal Block	6
Legal Lot Number	142
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	4
Census Block	4029
Census Tract	20701

Owner

641 Constanza Dr is owned by two individuals who bought it in June 2025.

Source: Henderson County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	441 CONSTANZA DR, HENDERSON, KY 42420
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 1, 2019	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Oct 18, 2024	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL SAVINGS BANK
Jun 9, 2025	Deed, Transfer · Line of Credit PEOPLES NATIONAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2025 · Amount on File
Deed Sale	Jun 9, 2025 · Amount on File
Deed Document Number	20255299
Deed Book / Page	683 / 707
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	641 CONSTANZA DR, HENDERSON, KY 42420-5343
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1279/690
Date	Feb 1, 2019
Book Page	MT 1279/690
Instrument	2019001143

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jan 30, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	641 CONSTANZA DR, HENDERSON, KY 42420-5343
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1455/580
Date	Oct 18, 2024
Book Page	MT1455/580
Instrument	2024009430

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	5001 DAVIS LANT DR, EVANSVILLE, IN 47715

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Sep 24, 2034

Interest

Change Frequency	Monthly

June 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jun 9, 2025
Property Address	641 CONSTANZA DR, HENDERSON, KY 42420-5343
Document Number	0RE683/707
Book / Page	RE683 / 707
Map Reference	MB 7 PG 400
Instrument Date	Jun 5, 2025
Instrument	2025005299
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	MULTIPLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3045 FIELD STONE DR, HENDERSON, KY 42420-6304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 CONSTANZA DR, HENDERSON, KY 42420-5343

Mortgage

Document Number	MT1472/120
Date	Jun 9, 2025
Book Page	MT1472/120
Instrument	2025005300

Lender

Name	PEOPLES NATIONAL BANK NA
Type	Bank
Address	520 S 42ND ST, MOUNT VERNON, IL 62864

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 641 Constanza Dr was $2,129.

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	$2,129.00	$192,000	$192,000
2023	$2,146.00 (+21.11%)	$192,000 (+2%)	$192,000 (+2%)
2022	$1,772.00	$160,000	$160,000

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

Flood

FEMA maps place 641 Constanza Dr in Zone X, an area of minimal flood risk, though there have been 43 flood claims nearby since 1997.

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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	43 (1997–2019)
Claims Outside the SFHA	1 of 43
Most Recent Claim	Feb 2019 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Mar 2018 · 9 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 14 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 16 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 641 Constanza Dr is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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 206 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	5,000 / 5,000
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Watch TV.

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