768 Constanza Dr, Henderson, KY 42420 Property Records

Henderson County property record for 768 Constanza Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,581 sqft · built 2000
Lot Size	0.29 acres (12,637 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Dec 2017)
Tax Bill	$2,107 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`64I-106`

Property Details

APN / Parcel Number

Primary APN	`64I-106`
Alternative APN	`42966`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,581 sqft Finished Area

Exterior

Year Built	Built 2000
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,637 sqft (0.29 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	42 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	42966
Street Address	768 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	7
Legal Lot Number	106
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	4
Census Block	4035
Census Tract	20701

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	768 CONSTANZA DR, HENDERSON, KY 42420-5344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2017	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Dec 1, 2017	Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2017 · Amount on Record
Deed Sale	Dec 1, 2017 · Amount on Record
Prior Sale	Jun 22, 2012 · Amount on Record
Deed Document Number	2017013552
Deed Book / Page	RE 0628 / 308
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	768 CONSTANZA DR, HENDERSON, KY 42420-5344
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1230/728
Date	Jan 12, 2017
Book Page	MT 1230/728
Instrument	2017000495

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Dec 30, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Dec 1, 2017
Property Address	768 CONSTANZA DR, HENDERSON, KY 42420-5344
Document Number	RE0628/308
Book / Page	RE 0628 / 308
Map Reference	MB 7 PG 241
Instrument Date	Nov 20, 2017
Instrument	2017013552
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 HORSESHOE DR, 109, HENDERSON, KY 42420-3961

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	768 CONSTANZA DR, HENDERSON, KY 42420-5344

Mortgage

Document Number	2017013553
Date	Dec 1, 2017
Instrument	2017013553

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

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	$2,107.00 (-11.51%)	$190,000 (-10.8%)	$190,000 (-10.8%)
2023	$2,381.00 (+13.71%)	$213,000 (+12.7%)	$213,000 (+12.7%)
2022	$2,094.00	$189,000	$189,000

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 · 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 Record 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

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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