8520 Tscharner Rd, Henderson, KY 42420 Property Records

Henderson County property record for 8520 Tscharner Rd, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,937 sqft · built 2003
Lot Size	3.47 acres (151,502 sqft)
Owner	2 Individual Names on File
Last Sale	$16,000 (Dec 2002)
Tax Bill	$2,837 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Apr 2005 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`85-93.21`

Property Details

APN / Parcel Number

Primary APN	`85-93.21`
Alternative APN	`1173`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,937 sqft Finished Area

Exterior

Year Built	Built 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	151,502 sqft (3.47 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Porch
Porch Area	1,027 sqft
Deck Area	315 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	1173
Street Address	8520 TSCHARNER RD
City	HENDERSON
State	KY
Zip	42420-8927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	AGAPE HILLS
Legal Lot Number	2
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	3
Census Block	3026
Census Tract	20701

Owner

8520 Tscharner Rd is owned and occupied by two individuals who bought it in December 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	8520 TSCHARNER RD, HENDERSON, KY 42420-8927
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
Nov 18, 2020	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Apr 5, 2005	Deed of Trust, Mortgage INDEPENDENCE BANK
Mar 25, 2010	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK
Aug 8, 2006	Deed of Trust, Mortgage INDEPENDENCE BANK
Mar 31, 2009	Deed of Trust, Mortgage INDEPENDENCE BANK OF KENTUCK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2002 · Amount on File
Deed Sale	Dec 1, 2002 · Amount on File
Deed Document Number	0000519625
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	8520 TSCHARNER RD, HENDERSON, KY 42420-8927
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8520 TSCHARNER RD, HENDERSON, KY 42420-8927

Mortgage

Document Number	MT1334/921
Date	Nov 18, 2020
Book Page	MT 1334/921
Instrument	2020012287

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	HENDERSON, KY 42420

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Nov 30, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	8520 TSCHARNER RD, HENDERSON, KY 42420-8927
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000896/537
Date	Apr 5, 2005
Book Page	896/537

Lender

Name	INDEPENDENCE BANK
Type	Bank
Address	HENDERSON, KY 42420

Agreement

Amount	Amount on Record
Term	59 Months
Due	Mar 18, 2010

March 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	8520 TSCHARNER RD, HENDERSON, KY 42420-8927
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001050/231
Date	Mar 25, 2010
Book Page	1050/231

Lender

Name	INDEPENDENCE BANK
Type	Bank
Address	HENDERSON, KY 42420

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Mar 19, 2011

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	8520 TSCHARNER RD, HENDERSON, KY 42420-8927
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000946/536
Date	Aug 8, 2006
Book Page	946/536

Lender

Name	INDEPENDENCE BANK
Type	Bank
Address	HENDERSON, KY 42420

Agreement

Amount	Amount on Record
Term	2 Months
Due	Oct 7, 2006

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	8520 TSCHARNER RD, HENDERSON, KY 42420-8927
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001022/050
Date	Mar 31, 2009
Book Page	1022/050

Lender

Name	INDEPENDENCE BANK OF KENTUCK
Address	HENDERSON, KY 42420

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 8520 Tscharner Rd was $2,837 with a homeowner's exemption.

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	$2,837.00 Homeowner's exemption	$300,000	$300,000
2023	$2,890.00 Homeowner's exemption	$300,000	$300,000

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

Flood

FEMA maps place 8520 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 8520 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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