Henderson County property record for 8986 State Rte 351 E, Henderson, KY 42420
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,245 sqft · built 1884 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $113,000 (Oct 2026) |
| Tax Bill | $131 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Jan 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 97-23 |
| Primary APN | 97-23 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,245 sqft Finished Area |
| Year Built | Built 1884 |
|---|---|
| Effective Year Built | Effective 1884 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,651 sqft (0.52 acres) |
| Garage Type | Attached |
| Garage Area | 741 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 224 sqft |
| Deck Area | 352 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Other |
| Heating Fuel | Gas |
| Account Number | 1317 |
|---|---|
| Street Address | 8986 STATE ROUTE 351 E |
| City | HENDERSON |
| State | KY |
| Zip | 42420-9409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | SINGLE FAMILY |
| Legal Subdivision | SANDRA K BOWLING |
| Legal Lot Number | 2 |
| Jurisdiction | HENDERSON KY |
| Township / Civil Division | SPOTTSVILLE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 20704 |
8986 State Rte 351 E is owned and occupied by two individuals who bought it in October 2026.
Source: Henderson County records, as of October 8, 2026
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 8986 STATE ROUTE 351 E, HENDERSON, KY 42420-9409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Oct 1, 2026 | Deed, Transfer · Conventional Mortgage INDEPENDENCE BANK |
| Jan 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage TIAA FSB HOLDINGS INC |
| Nov 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage EVANSVILLE TEACHERS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on File |
| Deed Sale | Oct 1, 2026 · Amount on File |
| Deed Document Number | 202610198 |
| Deed Book / Page | 694 / 824 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HENDERSON KY |
| Recording Date | Oct 1, 2026 |
| Property Address | 8986 STATE ROUTE 351 E, HENDERSON, KY 42420-9409 |
| Document Number | 0000010198 |
| Book / Page | 694 / 824 |
| Instrument Date | Sep 29, 2026 |
| Instrument | 202610198 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2026 |
| Title Company | LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,413.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 8986 STATE ROUTE 351 E, HENDERSON, KY 42420-9409 |
| Document Number | 0000010199, |
|---|---|
| Date | Oct 1, 2026 |
| Book Page | 1516/349 |
| Instrument | 202610199 |
| Name | INDEPENDENCE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 1, 2066 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 8986 STATE ROUTE 351 E, HENDERSON, KY 42420-9409 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | MT1255/285 |
|---|---|
| Date | Jan 2, 2018 |
| Book Page | MT 1255/285 |
| Instrument | 2018000020 |
| Name | TIAA FSB HOLDINGS INC |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENDERSON KY |
| Property Address | 8986 STATE ROUTE 351 E, HENDERSON, KY 42420-9409 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2021 |
| Title Company | FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | MT1297/955 |
|---|---|
| Date | Nov 7, 2019 |
| Book Page | MT 1297/955 |
| Instrument | 2019012445 |
| Name | EVANSVILLE TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | EVANSVILLE, IN 47715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 8986 State Rte 351 E was $131 with a homeowner's exemption.
Source: Henderson County assessment roll, as of November 25, 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 | $131.00 Homeowner's exemption | $56,000 | $56,000 |
| 2023 | $162.00 Homeowner's exemption | $56,000 | $56,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 8986 State Rte 351 E in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 8, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 8986 State Rte 351 E is low, with less than 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 99.1% of the US · lower than 99.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 9 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 |
| Watch TV Fixed Wireless | 100 / 20 |
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