Henderson County property record for 712 3rd St, Henderson, KY 42420
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,386 sqft · built 1915 |
| Lot Size | 0.151 acres (6,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Jun 2023) |
| Tax Bill | $730 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jun 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-6-3-14 |
| Primary APN | 3-6-3-14 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,386 sqft Finished Area |
| Year Built | Built 1915 |
|---|---|
| Exterior Material | Other |
| Construction Type | Wood |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,600 sqft (0.151 acres) |
| Lot Dimensions | 165 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 98 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 52297 |
|---|---|
| Street Address | 712 3RD ST |
| City | HENDERSON |
| State | KY |
| Zip | 42420-3036 |
| 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 | 1010 |
| Census Tract | 20200 |
712 3rd St is owned and occupied by an individual who bought it in June 2023.
Source: Henderson County records, as of January 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 712 3RD ST, HENDERSON, KY 42420-3036 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage FIRST UNITED BANK & TRUST CO |
| Jun 23, 2023 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2023 · Amount on File |
| Deed Sale | Jun 23, 2023 · Amount on File |
| Prior Sale | Jul 8, 2016 · Amount on File |
| Deed Document Number | 2023005654 |
| Deed Book / Page | 667 / 850 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 712 3RD ST, HENDERSON, KY 42420-3036 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | MT1352/949 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | MT 1352/949 |
| Instrument | 2021004806 |
| Name | FIRST UNITED BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | MADISONVILLE, KY 42431 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 27, 2022 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Jun 23, 2023 |
| Property Address | 712 3RD ST, HENDERSON, KY 42420-3036 |
| Document Number | 000667/850 |
| Book / Page | 667 / 850 |
| Instrument Date | Jun 23, 2023 |
| Instrument | 2023005654 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $115.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2724 WILDERNESS DR, HENDERSON, KY 42420-2258 |
| Name | Verified Name |
|---|---|
| Address | 712 3RD ST, HENDERSON, KY 42420-3036 |
The 2025 property tax bill for 712 3rd St was $730 with a homeowner's exemption.
Source: Henderson County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Henderson County |
| Municipality | Henderson City |
| Unified School District | Henderson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $730.00 Homeowner's exemption | $115,000 | $115,000 |
| 2023 | $402.00 (+1.01%) Homeowner's exemption | $36,000 (-) | $36,000 (-) |
| 2022 | $398.00 Homeowner's exemption | $36,000 | $36,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 712 3rd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 2 (2005) |
| Most Recent Claim | Nov 2005 · river or lake flooding |
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.
The area around 712 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 414 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Verizon, Watch TV.
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