772 Constanza Dr, Henderson, KY 42420 Property Records

Henderson County property record for 772 Constanza Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,800 sqft · built 1998
Lot Size	0.364 acres (15,842 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Jun 2026)
Tax Bill	$2,959 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jun 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`64I-105`

Property Details

APN / Parcel Number

Primary APN	`64I-105`
Alternative APN	`49067`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,800 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,842 sqft (0.364 acres)
Garage Type	Attached
Garage Area	616 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	70 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other
Sewer	Connected

Location & Zoning

Account Number	49067
Street Address	772 CONSTANZA DR
City	HENDERSON
State	KY
Zip	42420-5344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Legal Subdivision	WOLF HILLS
Legal Block	7
Legal Lot Number	105
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	4
Census Block	4035
Census Tract	20701

Owner

Source: Henderson County records, as of July 2, 2026

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	772 CONSTANZA DR, HENDERSON, KY 42420-5344
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed, Transfer · Conventional Mortgage LIBERTY FEDERAL CREDIT UNION
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY FEDERAL CREDIT UNION
May 23, 2025	Deed of Trust, Mortgage · Line of Credit FIELD & MAIN BANK
Jul 22, 2021	Deed, Transfer · Stand-Alone First Mortgage INDEPENDENCE BANK OF KENTUCKY
Dec 16, 2020	Deed, Transfer FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Jul 22, 2021 · Amount on Record
Deed Document Number	20266182
Deed Book / Page	691 / 840
Prior Transfer Date	Jul 15, 2024
Prior Transfer Doc	0000006262
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jun 22, 2026
Property Address	772 CONSTANZA DR, HENDERSON, KY 42420-5344
Document Number	0000006182
Book / Page	691 / 840
Instrument Date	Jun 5, 2026
Instrument	20266182
Transaction Type	Transfer
Record Updated	Jul 2, 2026
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	$35,855.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	772 CONSTANZA DR, HENDERSON, KY 42420-5344
Investor	Possibly a Property Investor

Mortgage

Document Number	MT1505/301,
Date	Jun 22, 2026
Book Page	1505/301
Instrument	20266183

Lender

Name	LIBERTY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Recording Date	Jun 22, 2026
Property Address	772 CONSTANZA DR, HENDERSON, KY 42420-5344
Document Number	0000006183
Book / Page	1505 / 301
Instrument Date	Jun 5, 2026
Instrument	20266183
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6747 OLD HENDERSON SPOTTSVILLE RD, SPOTTSVILLE, KY 42458-9738
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006183,
Date	Jun 22, 2026
Book Page	1505/301
Instrument	20266183

Lender

Name	LIBERTY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	772 CONSTANZA DR, HENDERSON, KY 42420-5344
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	772 CONSTANZA DR 711 S MAIN STREET, HENDERSON, KY 42420

Mortgage

Document Number	00MT1471/1
Date	May 23, 2025
Book Page	MT1471/1
Instrument	2025004826

Lender

Name	FIELD & MAIN BANK
Type	Bank
Address	140 N MAIN ST, HENDERSON, KY 42420

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 15, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jul 22, 2021
Property Address	772 CONSTANZA DR, HENDERSON, KY 42420-5344
Document Number	RE0652/567
Book / Page	RE 0652 / 567
Map Reference	MB 7 PG 241
Instrument Date	Jul 19, 2021
Instrument	2021008478
Transaction Type	Transfer
Record Updated	Jan 20, 2026
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	$267.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 CLEMENTS PT, HENDERSON, KY 42420-3992

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	772 CONSTANZA DR, HENDERSON, KY 42420-5344

Mortgage

Document Number	2021008479
Date	Jul 22, 2021
Instrument	2021008479

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Dec 16, 2020
Property Address	772 CONSTANZA DR, HENDERSON, KY 42420-5344
Document Number	0RE648/124
Book / Page	RE648 / 124
Map Reference	MB 7 PG 241
Instrument Date	Nov 20, 2020
Instrument	2020013336
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount Recorded
Tax	$201.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	343 OLD ORCHARD LN, HENDERSON, KY 42420-4756

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	772 CONSTANZA DR, HENDERSON, KY 42420-5344

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	$2,959.00 (-0.8%) Homeowner's exemption	$266,900 (-)	$266,900 (-)
2023	$2,983.00 (+0.88%) Homeowner's exemption	$266,900 (+10.38%)	$266,900 (+10.38%)
2022	$2,957.00 Homeowner's exemption	$241,800	$241,800

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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