896 Constanza Ct, Henderson, KY 42420 Property Records

Henderson County property record for 896 Constanza Ct, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,906 sqft · built 2004
Lot Size	0.309 acres (13,500 sqft)
Owner	Individual Name on Record
Last Sale	$204,000 (Jul 2014)
Tax Bill	$2,166 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`64I-67`

Property Details

APN / Parcel Number

Primary APN	`64I-67`
Alternative APN	`37516`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,906 sqft Finished Area
Basement Area	176 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	13,500 sqft (0.309 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	42 sqft
Deck Area	319 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	37516
Street Address	896 CONSTANZA CT
City	HENDERSON
State	KY
Zip	42420-5333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	WOLF HILLS
Legal Block	2
Legal Lot Number	67
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	4
Census Block	4027
Census Tract	20701

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	896 CONSTANZA CT, HENDERSON, KY 42420-5333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Apr 6, 2018	Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY
Sep 7, 2018	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2014 · Amount on Record
Deed Sale	Jul 31, 2014 · Amount on Record
Prior Sale	Aug 31, 2010 · Amount on Record
Deed Document Number	2014008300
Deed Book / Page	RE 0605 / 076
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	896 CONSTANZA CT, HENDERSON, KY 42420-5333
Transaction Type	Mortgage
Record Updated	Feb 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	896 CONSTANZA CT, HENDERSON, KY 42420-5333

Mortgage

Document Number	MT1343/389
Date	Feb 4, 2021
Book Page	MT 1343/389
Instrument	2021001319

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jan 30, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	896 CONSTANZA CT, HENDERSON, KY 42420-5333
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1260/201
Date	Apr 6, 2018
Book Page	MT 1260/201
Instrument	2018003445

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 4, 2019

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	896 CONSTANZA CT, HENDERSON, KY 42420-5333
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1270/435
Date	Sep 7, 2018
Book Page	MT 1270/435
Instrument	2018009866

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Aug 30, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Henderson County assessment roll, as of April 1, 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	$2,166.00 (-2.21%) Homeowner's exemption	$244,500 (-)	$244,500 (-)
2023	$2,215.00 (+22.31%) Homeowner's exemption	$244,500 (+19.85%)	$244,500 (+19.85%)
2022	$1,811.00 Homeowner's exemption	$204,000	$204,000

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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