938 Trail Dr, Henderson, KY 42420 Property Records

Henderson County property record for 938 Trail Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,663 sqft · built 1972
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on File
Last Sale	$103,000 (Jul 2020)
Tax Bill	$1,202 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Mar 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`65I-171`

Property Details

APN / Parcel Number

Primary APN	`65I-171`
Alternative APN	`47281`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,663 sqft Finished Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	120 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	440 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	47281
Street Address	938 TRAIL DR
City	HENDERSON
State	KY
Zip	42420-2246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SINGLE FAMILY
Legal Subdivision	FRONTIER
Legal Block	K
Legal Lot Number	10
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	1
Census Block	1011
Census Tract	20701

Owner

938 Trail Dr is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	938 TRAIL DR, HENDERSON, KY 42420-2246
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
Jul 16, 2020	Deed, Transfer · Conventional Mortgage FIELD & MAIN BANK
Mar 12, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2020 · Amount on File
Deed Sale	Jul 16, 2020 · Amount on File
Deed Document Number	20206868
Deed Book / Page	644 / 876
Prior Transfer Date	Mar 12, 2018
Prior Transfer Doc	RE0629/795
Record Updated	Jun 8, 2026

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Jul 16, 2020
Property Address	938 TRAIL DR, HENDERSON, KY 42420-2246
Document Number	BK0644/876
Book / Page	BK 0644 / 876
Map Reference	MB 254 PG 275
Instrument Date	Jun 16, 2020
Instrument	2020006868
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	938 TRAIL DR, 938, HENDERSON, KY 42420-2246

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 TRAIL DR, HENDERSON, KY 42420-2246

Mortgage

Document Number	2020006869
Date	Jul 16, 2020
Instrument	2020006869

Lender

Name	FIELD & MAIN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

March 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENDERSON KY
Recording Date	Mar 12, 2018
Property Address	938 TRAIL DR, HENDERSON, KY 42420-2246
Document Number	RE0629/795
Book / Page	RE 0629 / 795
Map Reference	MB 254 PG 275
Instrument Date	Mar 12, 2018
Instrument	2018002479
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	938 TRAIL DR, 938, HENDERSON, KY 42420-2246

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2634 ANDY SISK RD, DIXON, KY 42409-9704

Tax Assessment & Valuation

The 2025 property tax bill for 938 Trail Dr was $1,202 with a homeowner's exemption.

Source: Henderson County assessment roll, as of November 25, 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	$1,202.00 Homeowner's exemption	$157,500	$157,500
2023	$1,242.00 (+21.29%) Homeowner's exemption	$157,500 (+18.42%)	$157,500 (+18.42%)
2022	$1,024.00 Homeowner's exemption	$133,000	$133,000

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

Flood

FEMA maps place 938 Trail Dr 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

Wildfire risk around 938 Trail Dr 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 98% of the US · lower than 98.2% 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.

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 292 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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