730 Clay St, Henderson, KY 42420 Property Records

Henderson County property record for 730 Clay St, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,488 sqft · built 1930
Lot Size	0.11 acres (4,800 sqft)
Owner	Company Name on File
Last Sale	$23,000 (Jun 2017)
Tax Bill	$775 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2-9-2-28`

Property Details

APN / Parcel Number

Primary APN	`2-9-2-28`
Alternative APNs	`50502` `44719`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,488 sqft Finished Area

Exterior

Year Built	Built 1930
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Terrain	Rolling
Porch	Porch
Porch Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Other
Sewer	Connected

Location & Zoning

Account Number	44719
Street Address	730 CLAY ST
City	HENDERSON
State	KY
Zip	42420-3628
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	1000
Census Tract	20401

Owner

730 Clay St is owned by a company that bought it in June 2017.

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

Owner of Record	Company Name on File
Mailing Address	4374 SAINT OLAF CIR, HENDERSON, KY 42420-9461
Owner Type	Company

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
May 5, 2022	Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENCE BANK
May 21, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST UNITED BANK & TRUST CO
Sep 10, 2021	Deed of Trust, Mortgage INDEPENDENCE BANK OF KENTUCKY
Jun 16, 2017	Deed of Trust, Mortgage FIRST UNITED BANK & TRUST CO
Jun 16, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2017 · Amount on File
Deed Sale	Jun 16, 2017 · Amount on File
Deed Document Number	624000730
Deed Book / Page	RE 0624 / 730
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	730 CLAY ST, HENDERSON, KY 42420-3628
Transaction Type	Mortgage
Record Updated	May 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1232 TARANSAY DR, HENDERSON, KY 42420-2546

Mortgage

Document Number	MT1390/339
Date	May 5, 2022
Book Page	MT1390/339
Instrument	2022004433

Lender

Name	INDEPENDENCE BANK
Type	Bank
Address	HENDERSON, KY 42420

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	59 Months
Due	Apr 22, 2027

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	730 CLAY ST, HENDERSON, KY 42420-3628
Transaction Type	Mortgage
Record Updated	Nov 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2724 WILDERNESS DR, HENDERSON, KY 42420-2258

Mortgage

Document Number	MT1355/791
Date	May 21, 2021
Book Page	MT 1355/791
Instrument	2021005887

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	66 Months
Due	Nov 21, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	730 CLAY ST, HENDERSON, KY 42420-3628
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2724 WILDERNESS DR, HENDERSON, KY 42420-2258

Mortgage

Document Number	MT1367/948
Date	Sep 10, 2021
Book Page	MT 1367/948
Instrument	2021010598

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	HENDERSON, KY 42420

Agreement

Amount	Amount on Record
Term	60 Months
Due	Sep 10, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	730 CLAY ST, HENDERSON, KY 42420-3628
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1241/429
Date	Jun 16, 2017
Book Page	MT 1241/429
Instrument	2017006755

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	MADISONVILLE, KY 42431

Agreement

Amount	Amount on Record
Term	63 Months
Due	Sep 7, 2022

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jun 16, 2017
Property Address	730 CLAY ST, HENDERSON, KY 42420-3628
Document Number	RE0624/730
Book / Page	RE 0624 / 730
Instrument Date	Jun 7, 2017
Instrument	624000730
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	730 CLAY ST, 730, HENDERSON, KY 42420-3628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2724 WILDERNESS DR, HENDERSON, KY 42420-2258

Tax Assessment & Valuation

The 2025 property tax bill for 730 Clay St was $775.

Source: Henderson County assessment roll, as of April 1, 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	$775.00	$69,900	$69,900
2023	$781.00 (+76.3%)	$69,900 (+74.75%)	$69,900 (+74.75%)
2022	$443.00	$40,000	$40,000

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

Flood

FEMA maps place 730 Clay St 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 730 Clay St 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 99.1% of the US · lower than 99.2% 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 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 546 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Henderson Municipal Power & Light Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Watch TV.

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