6514 Cottingham Ln, Henderson, KY 42420 Property Records

Henderson County property record for 6514 Cottingham Ln, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,549 sqft · built 1925
Lot Size	0.91 acres (39,640 sqft)
Owner	Individual Name on Record
Last Sale	$88,500 (Jul 2021)
Tax Bill	$1,036 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`42A-30`

Property Details

APN / Parcel Number

Primary APN	`42A-30`
Alternative APN	`49079`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,549 sqft Finished Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	39,640 sqft (0.91 acres)
Lot Dimensions	210 ft deep x 166 ft wide
Garage Type	Detached
Garage Area	120 sqft
Driveway	Gravel Driveway
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	49079
Street Address	6514 COTTINGHAM LN
City	HENDERSON
State	KY
Zip	42420-9648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Jurisdiction	HENDERSON KY
Township / Civil Division	CORYDON
Census Block Group	2
Census Block	2026
Census Tract	20901

Owner

Source: Henderson County records, as of November 25, 2025

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
Mailing Address	6514 COTTINGHAM LN, HENDERSON, KY 42420-9648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Dec 8, 2017	Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	Dec 8, 2017 · Amount on Record
Deed Document Number	20218227
Deed Book / Page	652 / 462
Prior Transfer Date	Mar 19, 2014
Prior Transfer Doc	RE0602/676
Record Updated	Sep 20, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jul 16, 2021
Property Address	6514 COTTINGHAM LN, HENDERSON, KY 42420-9648
Document Number	RE0652/462
Book / Page	RE 0652 / 462
Instrument Date	Jul 12, 2021
Instrument	2021008227
Transaction Type	Transfer
Record Updated	Jul 29, 2021
Title Company	FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$88.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2415 US HIGHWAY 60 E, 2415, HENDERSON, KY 42420-2508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6514 COTTINGHAM LN, HENDERSON, KY 42420-9648

Mortgage

Document Number	2021008228
Date	Jul 16, 2021
Instrument	2021008228

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Mortgage

Document Number	MT1361/723
Date	Jul 16, 2021
Book Page	MT 1361/723
Instrument	2021008230

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2031

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Dec 8, 2017
Property Address	6514 COTTINGHAM LN, HENDERSON, KY 42420-9648
Document Number	RE0628/442
Book / Page	RE 0628 / 442
Instrument Date	Dec 5, 2017
Instrument	2017013890
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3666 SAINT CLAIR ST, 3666, RACINE, WI 53402-3550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6514 COTTINGHAM LN, HENDERSON, KY 42420-9648
Investor	Possibly a Property Investor

Mortgage

Document Number	2017013891
Date	Dec 8, 2017
Instrument	2017013891

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of November 25, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Henderson County
Unified School District	Henderson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,036.00 (-0.77%)	$88,500 (-)	$88,500 (-)
2023	$1,044.00	$88,500	$88,500

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% 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 COUNTY WATER DISTRICT serves 17,447 people · EPA ID KY0510189
Water Source	Purchased surface water from several systems
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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Conexon Connect, Watch TV.

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