8434 Tscharner Rd, Henderson, KY 42420 Property Records

Henderson County property record for 8434 Tscharner Rd, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,982 sqft · built 1993
Lot Size	4.65 acres (202,815 sqft)
Owner	Trust Name on File
Last Sale	$430,000 (May 2017)
Tax Bill	$4,823 (2025)
Deeds & Mortgages	May 2017 Mortgage May 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`85-93.5`

Property Details

APN / Parcel Number

Primary APN	`85-93.5`
Alternative APN	`45061`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,982 sqft Finished Area

Exterior

Year Built	Built 1993
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	202,815 sqft (4.65 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Porch
Porch Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	45061
Street Address	8434 TSCHARNER RD
City	HENDERSON
State	KY
Zip	42420-9765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	AGAPE HILLS
Legal Lot Number	3
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	3
Census Block	3026
Census Tract	20701

Owner

8434 Tscharner Rd is owner-occupied and held in a trust since February 2019.

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

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	8434 TSCHARNER RD, HENDERSON, KY 42420-9765
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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 8, 2017	Deed of Trust, Mortgage INDEPENDENCE BANK OF KENTUCKY
May 8, 2017	Deed of Trust, Mortgage INDEPENDENCE BANK OF KENTUCKY
Feb 27, 2019	Intrafamily Transfer, Transfer
May 15, 2017	Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK
Apr 13, 2017	Warranty Deed, Transfer INDEPENDENCE BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2017 · Amount on File
Deed Sale	May 15, 2017 · Amount on File
Prior Sale	May 15, 2017 · Amount on File
Deed Document Number	RE0624/120
Deed Book / Page	RE 0624 / 120
Last Transfer Date	Feb 27, 2019
Transfer Doc	RE0636/014
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	8434 TSCHARNER RD, HENDERSON, KY 42420-9765
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1238/745
Date	May 8, 2017
Book Page	MT 1238/745
Instrument	2017006211

Lender

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

Agreement

Amount	Amount on Record
Term	1 Months
Due	Jun 28, 2017

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	8434 TSCHARNER RD, HENDERSON, KY 42420-9765
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1238/745
Date	May 8, 2017
Book Page	MT 1238/745
Instrument	2017005211

Lender

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

Agreement

Amount	Amount on Record

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON KY
Recording Date	Feb 27, 2019
Property Address	8434 TSCHARNER RD, HENDERSON, KY 42420-9765
Document Number	RE0636/014
Book / Page	RE 0636 / 014
Map Reference	MB 8 PG 278
Instrument Date	Feb 27, 2019
Instrument	2019002014
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	8434 TSCHARNER RD, HENDERSON, KY 42420-9765

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	May 15, 2017
Property Address	8434 TSCHARNER RD, HENDERSON, KY 42420-9765
Document Number	RE0624/120
Book / Page	RE 0624 / 120
Map Reference	MB 8 PG 278
Instrument Date	May 12, 2017
Instrument	2017005475
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2347 BALMORAL DR, HENDERSON, KY 42420-2585

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8434 TSCHAMER RD, HENDERSON, KY 42420

Mortgage

Document Number	2017005476
Date	May 15, 2017
Instrument	2017005476

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON KY
Recording Date	Apr 13, 2017
Property Address	8434 TSCHARNER RD, HENDERSON, KY 42420-9765
Document Number	RE0623/591
Book / Page	RE 0623 / 591
Map Reference	MB 6 PG 72
Instrument Date	Apr 4, 2017
Instrument	2017004284
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Tax	$264.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2347 BALMORAL DR, HENDERSON, KY 42420-2585

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8434 TSCHARNER RD, HENDERSON, KY 42420-9765

Mortgage

Document Number	2017004266
Date	Apr 13, 2017
Instrument	2017004266

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank

Agreement

Amount	Amount on Record
Term	2 Months
Due	Jun 4, 2017

Tax Assessment & Valuation

The 2025 property tax bill for 8434 Tscharner Rd was $4,823.

Source: Henderson County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Henderson County
Unified School District	Henderson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,823.00	$430,000	$430,000
2023	$4,862.00	$430,000	$430,000

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

Flood

FEMA maps place 8434 Tscharner Rd in Zone X, an area of minimal flood risk, though there have been 8 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	8 (1997–2018)
Most Recent Claim	Mar 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Mar 2018 · 2 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 8434 Tscharner Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 COUNTY WATER DISTRICT serves 17,447 people · EPA ID KY0510189
Water Source	Purchased surface water from several systems
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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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