6519 Cottingham Ln, Henderson, KY 42420 Property Records

Henderson County property record for 6519 Cottingham Ln, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,692 sqft · built 1986
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Oct 2021)
Tax Bill	$1,295 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`42A-35`

Property Details

APN / Parcel Number

Primary APN	`42A-35`
Alternative APN	`49544`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,692 sqft Finished Area

Exterior

Year Built	Built 1986
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,670 sqft (0.75 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	320 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	49544
Street Address	6519 COTTINGHAM LN
City	HENDERSON
State	KY
Zip	42420-9648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	LOTT
Legal Lot Number	2
Jurisdiction	HENDERSON KY
Township / Civil Division	CORYDON
Census Block Group	2
Census Block	2025
Census Tract	20901

Owner

6519 Cottingham Ln is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	6519 COTTINGHAM LN, HENDERSON, KY 42420-9648
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
Oct 25, 2021	Deed, Transfer · Conventional Mortgage FIELD & MAIN BANK
Oct 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2021 · Amount on File
Deed Sale	Oct 25, 2021 · Amount on File
Deed Document Number	2021012538
Deed Book / Page	RE 0654 / 945
Record Updated	Jun 8, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Oct 25, 2021
Property Address	6519 COTTINGHAM LN, HENDERSON, KY 42420-9648
Document Number	RE0654/945
Book / Page	RE 0654 / 945
Instrument Date	Oct 21, 2021
Instrument	2021012538
Transaction Type	Transfer
Record Updated	Nov 3, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6519 COTTINGHAM LN, 6519, HENDERSON, KY 42420-9648

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6519 COTTINGHAM LN, HENDERSON, KY 42420-9648

Mortgage

Document Number	2021012539
Date	Oct 25, 2021
Instrument	2021012539

Lender

Name	FIELD & MAIN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	6519 COTTINGHAM LN, HENDERSON, KY 42420-9648
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1272/686
Date	Oct 5, 2018
Book Page	MT 1272/686
Instrument	2018011084

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 25, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	6519 COTTINGHAM LN, HENDERSON, KY 42420-9648
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1333/871
Date	Nov 6, 2020
Book Page	MT 1333/871
Instrument	2020011845

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Oct 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 6519 Cottingham Ln was $1,295 with a homeowner's exemption.

Source: Henderson County assessment roll, as of April 1, 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	$1,295.00 Homeowner's exemption	$161,000	$161,000
2023	$1,047.00 Homeowner's exemption	$140,000	$140,000

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

Flood

FEMA maps place 6519 Cottingham Ln 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

Wildfire risk around 6519 Cottingham Ln 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 94% of the US · lower than 94% 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 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Watch TV.

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