760 Constanza Dr, Henderson, KY 42420 Property Records

Henderson County property record for 760 Constanza Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,152 sqft · built 2003
Lot Size	0.366 acres (15,979 sqft)
Owner	Individual Name on File
Last Sale	$203,000 (Apr 2018)
Tax Bill	$2,728 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`64I-108`

Property Details

APN / Parcel Number

Primary APN	`64I-108`
Alternative APN	`43609`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,152 sqft Finished Area

Exterior

Year Built	Built 2003
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,979 sqft (0.366 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	105 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	43609
Street Address	760 CONSTANZA DR
City	HENDERSON
State	KY
Zip	42420-5344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	WOLF HILLS
Legal Block	4
Legal Lot Number	108
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	4
Census Block	4035
Census Tract	20701

Owner

760 Constanza Dr is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	760 CONSTANZA DR, HENDERSON, KY 42420-5344
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 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Apr 20, 2018	Deed, Transfer · Conventional Mortgage HERITAGE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2018 · Amount on File
Deed Sale	Apr 20, 2018 · Amount on File
Prior Sale	Jun 6, 2013 · Amount on File
Deed Document Number	2018003997
Deed Book / Page	RE 0630 / 414
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	760 CONSTANZA DR, HENDERSON, KY 42420-5344
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST INTEGRITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1329/893
Date	Oct 2, 2020
Book Page	MT 1329/893
Instrument	2020010386

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Apr 20, 2018
Property Address	760 CONSTANZA DR, HENDERSON, KY 42420-5344
Document Number	RE0630/414
Book / Page	RE 0630 / 414
Map Reference	MB 7 PG 241
Instrument Date	Apr 18, 2018
Instrument	2018003997
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$203.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	912 MIKELSEY ST, 912, STURGIS, KY 42459

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	760 CONSTANZA DR, HENDERSON, KY 42420-5344

Mortgage

Document Number	2018003998
Date	Apr 20, 2018
Instrument	2018003998

Lender

Name	HERITAGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 760 Constanza Dr was $2,728.

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	$2,728.00	$246,000	$246,000
2023	$2,750.00 (+0.92%)	$246,000 (+21.18%)	$246,000 (+21.18%)
2022	$2,725.00	$203,000	$203,000

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

Flood

FEMA maps place 760 Constanza Dr in Zone X, an area of minimal flood risk, though there have been 43 flood claims nearby since 1997.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	43 (1997–2019)
Claims Outside the SFHA	1 of 43
Most Recent Claim	Feb 2019 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Mar 2018 · 9 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 14 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 16 claims

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.

Wildfire

Wildfire risk around 760 Constanza Dr is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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 336 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 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Conexon Connect, Watch TV.

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