656 Constanza Dr, Henderson, KY 42420 Property Records

Henderson County property record for 656 Constanza Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,789 sqft · built 2006
Lot Size	0.307 acres (13,387 sqft)
Owner	2 Individual Names on Record
Last Sale	$279,500 (Dec 2025)
Tax Bill	$1,923 (2025)
Deeds & Mortgages	May 2019 Line of Credit Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`64I-145`

Property Details

APN / Parcel Number

Primary APN	`64I-145`
Alternative APN	`25982`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,789 sqft Finished Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,387 sqft (0.307 acres)
Garage Type	Attached
Garage Area	624 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	25982
Street Address	656 CONSTANZA DR
City	HENDERSON
State	KY
Zip	42420-5342
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	145
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	1
Census Block	1000
Census Tract	20701

Owner

Source: Henderson County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	876 CONSTANZA DR, HENDERSON, KY 42420-5346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 7, 2019	Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK
Dec 12, 2025	Deed, Transfer · Conventional Mortgage FIELD & MAIN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on Record
Deed Sale	Dec 12, 2025 · Amount on Record
Prior Sale	Aug 23, 2006 · Amount on Record
Deed Document Number	202512105
Deed Book / Page	687 / 635
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	656 CONSTANZA DR, HENDERSON, KY 42420-5342
Transaction Type	Mortgage
Record Updated	Dec 23, 2025
Title Company	ISGN RECORDING DEPT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1285/097
Date	May 7, 2019
Book Page	MT 1285/097
Instrument	2019004752

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	HENDERSON, KY 42420

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Apr 24, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Dec 12, 2025
Property Address	656 CONSTANZA DR, HENDERSON, KY 42420-5342
Document Number	0RE687/635
Book / Page	RE687 / 635
Map Reference	MB 7 PG 242
Instrument Date	Dec 12, 2025
Instrument	2025012105
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	656 CONSTANZA DR, HENDERSON, KY 42420-5342

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	656 CONSTANZA DR, HENDERSON, KY 42420-5342
Investor	Possibly a Property Investor

Mortgage

Document Number	2025012106
Date	Dec 12, 2025
Instrument	2025012106

Lender

Name	FIELD & MAIN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

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	$1,923.00 (-2.34%) Homeowner's exemption	$222,500 (-)	$222,500 (-)
2023	$1,969.00 (+22.6%) Homeowner's exemption	$222,500 (+19.95%)	$222,500 (+19.95%)
2022	$1,606.00 Homeowner's exemption	$185,500	$185,500

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 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

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