8478 Tscharner Rd, Henderson, KY 42420 Property Records

Henderson County property record for 8478 Tscharner Rd, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,500 sqft · built 1993
Lot Size	2.32 acres (101,364 sqft)
Owner	2 Individual Names on File
Last Sale	$439,230 (Feb 2024)
Tax Bill	$4,839 (2025)
Deeds & Mortgages	Feb 2024 Sale & Line of Credit Oct 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85-93.7`

Property Details

APN / Parcel Number

Primary APN	`85-93.7`
Alternative APNs	`44481` `53144`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,500 sqft Finished Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	101,364 sqft (2.32 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	884 sqft
Driveway	Concrete Driveway
Parking Spaces	4 Parking Spaces
Pool Area	720 sqft
Porch	Slab
Porch Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	53144
Street Address	8478 TSCHARNER RD
City	HENDERSON
State	KY
Zip	42420-9765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Legal Subdivision	AGAPE HILLS
Legal Lot Number	1
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	3
Census Block	3026
Census Tract	20701

Owner

8478 Tscharner Rd is owned and occupied by two individuals who bought it in February 2024.

Source: Henderson County records, as of November 25, 2025

Owner of Record	2 Individual Names on File
Mailing Address	8478 TSCHARNER RD, HENDERSON, KY 42420-9765
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
Feb 9, 2024	Deed, Transfer · Line of Credit FIELD & MAIN BANK
Oct 22, 2018	Quit Claim Deed, Transfer Quitclaim
Oct 22, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2024 · Amount on File
Deed Sale	Feb 9, 2024 · Amount on File
Prior Sale	Jul 5, 2016 · Amount on File
Deed Document Number	2024999
Deed Book / Page	673 / 453
Prior Transfer Date	Aug 22, 2018
Prior Transfer Doc	RE0633/907
Record Updated	Jun 8, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Feb 9, 2024
Property Address	8478 TSCHARNER RD, HENDERSON, KY 42420-9765
Document Number	0RE673/453
Book / Page	RE673 / 453
Map Reference	MB 8 PG 278
Instrument Date	Feb 8, 2024
Instrument	2024000999
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$439.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8478 TSCHARNER RD, HENDERSON, KY 42420-9765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8478 TSCHARNER RD, HENDERSON, KY 42420-9765
Investor	Possibly a Property Investor

Mortgage

Document Number	2024001000
Date	Feb 9, 2024
Instrument	2024001000

Lender

Name	FIELD & MAIN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2039

Mortgage

Document Number	MT1436/601
Date	Feb 9, 2024
Book Page	MT1436/601
Instrument	2024001000

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2039

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HENDERSON KY
Recording Date	Oct 22, 2018
Property Address	8478 TSCHARNER RD, HENDERSON, KY 42420-9765
Document Number	RE0633/902
Book / Page	RE 0633 / 902
Map Reference	MB 8 PG 278
Instrument Date	Aug 22, 2018
Instrument	2018011574
Transaction Type	Transfer
Record Updated	Nov 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	905 COVE CT, 905, HENDERSON, KY 42420-5351

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8478 TSCHARNER RD, HENDERSON, KY 42420-9765

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON KY
Recording Date	Oct 22, 2018
Property Address	8478 TSCHARNER RD, HENDERSON, KY 42420-9765
Document Number	RE0633/907
Book / Page	RE 0633 / 907
Map Reference	MB 8 PG 278
Instrument Date	Aug 22, 2018
Instrument	2018011575
Transaction Type	Transfer
Record Updated	Nov 23, 2021

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	Right of Survivorship
Address	8478 TSCHARNER RD, HENDERSON, KY 42420-9765

Tax Assessment & Valuation

The 2025 property tax bill for 8478 Tscharner Rd was $4,839 with a homeowner's exemption.

Source: Henderson County assessment roll, as of November 25, 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	$4,839.00 Homeowner's exemption	$480,500	$480,500
2023	$3,968.00	$350,000	$350,000

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

Flood

FEMA maps place 8478 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 8478 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	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 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 103 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 / 1,000

May also be available: Watch TV.

Cell Coverage

5G (outdoors only) and 4G LTE

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