950 Trail Dr, Henderson, KY 42420 Property Records

Henderson County property record for 950 Trail Dr, Henderson, KY 42420

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,646 sqft · built 1972
Lot Size	0.253 acres (11,040 sqft)
Owner	Individual Name on File
Last Sale	$177,700 (Dec 2022)
Tax Bill	$1,970 (2025)
Deeds & Mortgages	May 2020 Line of Credit Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`65I-168`

Property Details

APN / Parcel Number

Primary APN	`65I-168`
Alternative APNs	`42893` `51416`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,646 sqft Finished Area

Exterior

Year Built	Built 1972
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Gable
Lot Area	11,040 sqft (0.253 acres)
Lot Dimensions	120 ft deep x 92 ft wide
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	51416
Street Address	950 TRAIL DR
City	HENDERSON
State	KY
Zip	42420-2246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SINGLE FAMILY
Legal Subdivision	FRONTIER
Legal Block	K
Legal Lot Number	13
Jurisdiction	HENDERSON KY
Township / Civil Division	SPOTTSVILLE
Census Block Group	1
Census Block	1011
Census Tract	20701

Owner

950 Trail Dr is owned and occupied by an individual who bought it in December 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	950 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
May 22, 2020	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Dec 15, 2022	Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Nov 7, 2017	Deed, Transfer · Conventional Mortgage INDEPENDENCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2022 · Amount on File
Deed Sale	Dec 15, 2022 · Amount on File
Prior Sale	Nov 7, 2017 · Amount on File
Deed Document Number	2022012647
Deed Book / Page	RE664 / 47
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON KY
Property Address	950 TRAIL DR, HENDERSON, KY 42420-2246
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1313/701
Date	May 22, 2020
Book Page	MT 1313/701
Instrument	2020004614

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	SEBREE, KY 42455

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	May 31, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Dec 15, 2022
Property Address	950 TRAIL DR, HENDERSON, KY 42420-2246
Document Number	00RE664/47
Book / Page	RE664 / 47
Map Reference	MB 254 PG 274
Instrument Date	Dec 9, 2022
Instrument	2022012647
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$178.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	334 N INGRAM ST, HENDERSON, KY 42420-3026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	950 TRAIL DR, HENDERSON, KY 42420-2246

Mortgage

Document Number	MT1409/460
Date	Dec 15, 2022
Book Page	MT1409/460
Instrument	2022012648

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HENDERSON KY
Recording Date	Nov 7, 2017
Property Address	950 TRAIL DR, HENDERSON, KY 42420-2246
Document Number	RE0627/732
Book / Page	RE 0627 / 732
Map Reference	DD 254 PG 274
Instrument Date	Nov 3, 2017
Instrument	2017012647
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	950 TRAIL DR, HENDERSON, KY 42420-2246

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1144 VINE ST, ROBARDS, KY 42452-9788

Mortgage

Document Number	2017012648
Date	Nov 7, 2017
Instrument	2017012648

Lender

Name	INDEPENDENCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 950 Trail Dr was $1,970.

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	$1,970.00	$177,700	$177,700
2023	$1,986.00 (+80.38%)	$177,700 (+27.02%)	$177,700 (+27.02%)
2022	$1,101.00 Homeowner's exemption	$139,900	$139,900

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

Flood

FEMA maps place 950 Trail Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 8, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 950 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 97% of the US · lower than 97.3% 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 206 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 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Watch TV.

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