Henderson County property record for 8648 Tscharner Rd, Henderson, KY 42420
| Property Type | Single Family Home |
|---|---|
| Details | 1,040 sqft · built 1988 |
| Lot Size | 0.889 acres (38,768 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $69,000 (May 1996) |
| Tax Bill | $1,086 (2025) |
| Deeds & Mortgages | Feb 2022 Construction Loan Jan 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 85-90 |
| Primary APN | 85-90 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,040 sqft Finished Area |
| Basement Area | 1,040 sqft |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 38,768 sqft (0.889 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 5891 |
|---|---|
| Street Address | 8648 TSCHARNER RD |
| City | HENDERSON |
| State | KY |
| Zip | 42420-8928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | SINGLE FAMILY |
| Legal Subdivision | FARLEY |
| Legal Lot Number | 1 |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | SPOTTSVILLE |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 20701 |
8648 Tscharner Rd is owned by two individuals who bought it in May 1996.
Source: Henderson County records, as of November 24, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 8850 TSCHARNER RD, HENDERSON, KY 42420-9188 |
| 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.
| Date | Document |
|---|---|
| Feb 25, 2022 | Deed of Trust, Mortgage · Construction Mortgage INDEPENDENCE BANK OF KENTUCKY |
| Jan 31, 2019 | Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENCE BANK |
| Feb 23, 2017 | Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENCE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 1996 · Amount on File |
| Deed Sale | May 1, 1996 · Amount on File |
| Deed Document Number | 0004590324 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 8648 TSCHARNER RD, HENDERSON, KY 42420-8928 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 8850 TSCHARNER RD, HENDERSON, KY 42420-9188 |
| Document Number | MT1384/246 |
|---|---|
| Date | Feb 25, 2022 |
| Book Page | MT1384/246 |
| Instrument | 2022001894 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Address | HENDERSON, KY 42420 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 23, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 8648 TSCHARNER RD, HENDERSON, KY 42420-8928 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2019 |
| Name | Verified Name |
|---|
| Document Number | MT1279/560 |
|---|---|
| Date | Jan 31, 2019 |
| Book Page | MT 1279/560 |
| Instrument | 2019001075 |
| Name | INDEPENDENCE BANK |
|---|---|
| Type | Bank |
| Address | HENDERSON, KY 42420 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 18, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 8648 TSCHARNER RD, HENDERSON, KY 42420-8928 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2018 |
| Name | Verified Name |
|---|
| Document Number | MT1233/461 |
|---|---|
| Date | Feb 23, 2017 |
| Book Page | MT 1233/461 |
| Instrument | 2017002197 |
| Name | INDEPENDENCE BANK |
|---|---|
| Type | Bank |
| Address | HENDERSON, KY 42420 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Feb 21, 2022 |
The 2025 property tax bill for 8648 Tscharner Rd was $1,086.
Source: Henderson County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Henderson County |
| Unified School District | Henderson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,086.00 | $93,000 | $93,000 |
| 2023 | $1,094.00 | $93,000 | $93,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8648 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 |
|
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 risk around 8648 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 21 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 |
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